Wednesday, 18 March 2020

Running any kind of food and beverage business like a café, food truck or food stall can be very rewarding but it requires tremendous effort. Those efforts include managing your team and dealing with the general public, both of which expose you to greater potential risks.

There is only so much you can prepare for but if faced with an unexpected catastrophe, you may be forced to close your doors.

As such, it is vital to prepare for the worst by having relevant cover to protect you against food poisoning cases, public liabilities or kitchen fires. Having the right insurance plan lessens the financial impact of such occurrences and allows you to recover faster from the aftermath.

Who is it for?

Regardless of your establishment size or structure, much of the liability faced is common to all. Even seemingly minor incidents can affect your business and the results can be painfully detrimental.

Look into safeguarding your business from such unexpected expenses and events. Here are examples of industries that would require food and beverage insurance protection:

  • Bakeries
  • Banquet halls
  • Bars (depending on insurance provider)
  • Bubble tea outlets
  • Cafés
  • Cafeteria / Canteen operators
  • Catering businesses
  • Coffee shops
  • Fast food restaurants
  • Food courts
  • Food stalls
  • Food trucks
  • Ice cream parlours / shops
  • Juice bars
  • Lounges
  • Mobile food carts
  • Restaurants
  • Room services
  • And many more…

What is covered?

It is best to check with the insurance providers to determine the coverage you will receive based on your industry. Some of the common business insurance coverage options included in the food and beverage insurance policy are;

Cover type: What is covered:
Fire Covers damage to, or loss of, your business premises, equipment and furniture caused by fire, lightning and/or explosion.
Burglary Protection against damage to your building, loss of goods and products in the event of a break-in and/or burglary of your business premises.
Money Protect your hard earned money, cheques or money orders kept in your business property against theft. Most policies will also cover against losses incurred whilst funds are in transit to the bank.
Plate glass Get coverage to replace shattered glass doors or windows in showrooms, shops, offices or buildings with the plate glass insurance.
Public liability Public liability insurance indemnifies you against legal liabilities to third parties should any accidents occur during your business operations. For example, if customers accidentally fall or slip in your premises, then this coverage will help negate some of the financial burdens.
Employer’s liability Shields employers from any legal liability claims made arising from work related accidents or illnesses sustained by employees.
Fidelity guarantee Covers financial losses due to fraud or dishonesty in the workplace committed by your employees.
Loss or damage of goods Secure your goods against any loss or damage caused by fire, accident or theft.
Client’s personal effects Covers the loss or damage of your client’s personal belongings.
Hospital cash Protects you by providing daily cash payments during hospitalisation to help relieve financial stress.
Personal accident Protect yourself and your loved ones by against financial burdens when confronted by accidents. These plans cover medical expenses and loss of income.
Infectious disease When faced with specific infectious illnesses, such plans cover hopitalisation and treatment expenses.


As a business owner you can plan ahead and identify the potential threats that may affect your business.  However, should you have specific business requirements that are not covered in standard food & beverage insurance policies, you can also select supplementary protection coverage.

Easily eliminate the hassle of searching multiple sites to find the protection you need – learn more about components included in a range of plans for free based on your specific business at!

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