RYNO OFFERS TAILORED

CAFES & RESTAURANT

Liability Cover

Operating a café or restaurant business can be a rewarding experience. With more and more people choosing to dine out, the F&B industry is growing exponentially. It is important that café and restaurant owners protect both their business and the people within it too. 

SOME OF THE RISKS YOUR CLIENT'S CAFE & RESTAURANT BUSINESS

MAY BE EXPOSED TO INCLUDE:

THIRD PARTY LIABILITY

WORKERS COMPENSATION

DETERIORATION OF STOCK

THEFT AND/OR NATURAL DISASTERS

MACHINERY BREAKDOWN

LIABILITY COVER FOR

CAFES, RESTAURANTS, COFFEE SHOPS, AND CAKE SHOPS.

Depending on your client’s required level of cover, we can help determine a solution that is just their cup of tea no matter the size of their business.

Limits Up
To $20M

Excess Starting
at $250

YOUR CLAIM IS OUR PRIORITY

If you need to submit a claim, please notify us and we will do what needs to be done, keeping you informed each step of the way.

IMPORTANT DOCUMENTS

POLICY WORDING

PROPOSAL FORMS

BRAND ASSETS

CLAIM EXAMPLES

Your client runs a small café in the suburbs. On a particularly busy day, a staff member delivering a cup of coffee trips and accidentally pours the hot content on a customer. The customer suffers from first degree burns and requires medical attention for the wound. Your client is liable for the incident and has to compensate the customer for the medical expenses.

Your client has recently purchased an existing restaurant in a developing neighbourhood. One day, a staff member arrives to work to find the premise in disarray. Windows and decorative items are found broken, and money has been taken from the register. Your client is forced to temporarily shut business until further notice.

Your client decided to take some time off during the Christmas break, temporarily closing the café. After two weeks, your client returns to find that there had been a power outage causing the stock in the fridge and freezer to spoil. Unable to make a stock order over the holiday period, your client has no choice but to delay the cafe’s reopening.

SUBSCRIBE TO OUR NEWSLETTER

Join our mailing list for the latest news, updates and useful information.

Ryno Underwriting is a specialist division of East West Insurance Brokers Pty Ltd ABN 83 010 630 092, 
Australian Financial Services Licence No. 230041. 

© 2019 Ryno Underwriting | Terms of use