Considering Cafe Insurance? Ways to Minimise Your Risk Profile

Cafe insurance is a vital part of your hospitality business and can provide you with protection for all aspects of your business activities. Unfortunately, many business owners may struggle with their cafe or restaurant insurance premiums, but there are ways to minimise your risk profile and reduce your costs.

Professional Cleaning

Even if you’re very diligent about cleaning your cafe kitchen, it is a good idea to have your canopies regularly cleaned by a professional company. This not only improves the aesthetics and hygiene of your kitchen, but this type of maintenance program can have a positive impact on your insurance risk. You should be aware that some insurers make a maintenance program a condition of their policies, so be sure to read your terms and conditions carefully for any stipulations.

Minimise Your Fire Risk

Fire can be a massive problem for any business, but there is a greater risk in a commercial kitchen. When you’re cooking for hours a day, there is an increased risk of a fire, which is reflected in your cafe insurance premiums. However, taking steps to minimise your fire risk can impact your premiums. Measures such as portable fire extinguishers, automatic fire suppression systems or scheduling regular equipment maintenance and inspections can have a positive effect.

Keep Fabrics Safe

While this may not be reflected in your insurance premiums, you can dramatically reduce your fire risk by keeping all your fabrics safe. Tea towels, aprons, and other fabrics can spontaneously combust near hot plates, so ensure that they are stored where no damage can be caused. You should also take care not to leave towels near burners where they may catch fire.

Establish Good Procedures and Policies

You can also reduce your insurance risk with good procedures and policies. Establish procedures for your team and keep documentation on staff training, food supplied and cleaning to ensure that everything is kept ship shape and minimise risk.

Record Food Temperatures

When you bring new food stock into your business, you should not only rotate but also record the details. When foods are kept warm, you should perform regular temperature checks. This will allow you to know when food has come in and when it is time for it to be thrown out.

Prioritise Food Handling Training

Food handling training is critical in the food service industry, but it can also impact your insurance risk. You need to prioritise food handling training for all your staff members. Schedule regular staff meetings for any potential areas of risk and keep records of the dates and topics of those meetings.

Every business is different, so it is important to ensure that your insurance covers your specific and unique risk profile. Minimising your risk can not only help to keep your insurance costs in check but can also protect your business and customers.

If you are in need of cafe insurance, you should speak to us. We can provide access to a variety of cafe and restaurant insurance packages to suit all requirements. You’ll also find the GSK Insurance team available to answer any of your queries.

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