Café Insurance

CUL's café insurance is as comprehensive as it is competitive. Encompassing public liability and business interruption cover in addition to café-specific risks such as frozen food and glass cover in one policy, it can provide all the protection a café owner needs.


Get Your Café Insurance Today

To find out how CUL's café insurance can help your clients, or to get café insurance cover, please get in touch. You can call the team on 0800 3081 044 or email us by clicking here. Alternatively, if you have an agency, you can buy cover online through our sister company's website, Policyfast.

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What are the Benefits of CUL's Café Cover

  • Fire alarm discount up to 5% off
  • If the insured or staff live above the premises a discount of 10% is applied
  • Legal protection cover is automatically provided
  • Hygiene ratings over 3* will be subject to a 5% discount
  • Liability cover given in isolation
  • Up to 20% off when the client has had no claims in the past 4 or more years

Comprehensive Café Insurance Cover

With CUL's protection, your café clients can be insured against risks including;

  • Fire
  • Flood
  • Lightning
  • Explosion
  • Earthquake
  • Riot damage
  • Malicious damage
  • Storm damage
  • Escape of water and oil
  • Impact
  • Theft and accidental damage

Subsidence and householders' general contents cover can also be added as optional extensions.

What are the Standard Limits of CUL's Café Cover?

  • Business interruption (gross profit basis) - £500,000 with a 12-month indemnity period
  • Book debts - £10,000
  • Goods in transit - £1,000
  • Loss of money - £5,000
  • Loss of licence - £100,000
  • Deterioration of stock - £2,000
  • Glass, signs, blinds - £10,000
  • Employers' liability - £10,000,000
  • Material damage – elect sum insured
  • Public and products liability - £2,000,000
  • Frozen food - £2,000
  • Legal expenses - £100,000

These standard limits can be increased if required.

Minimum premium applicable:

  • Cafés (no frying ranges) - £391

Other features of our café insurance product include:

  • Legal costs and expenses (and employment compensation awards)
  • Seasonal increase of stock up to 25% at Christmas and Easter
  • Material damage providing full perils including accidental damage

Get a Café Insurance Quote Today

To find out how CUL's café insurance can help your clients, or to get a café insurance quote, please get in touch. You can call the team on 0800 3081 044 or email them by clicking here. Alternatively, if you have an agency, you can buy cover online through our sister company's website, Policyfast.

BUY ONLINE