Café Insurance Northern Ireland
Café and Restaurant insurance pricing in the market ranges dramatically between insurers. Sometimes it feels like one year the insurer wants to deal with you, but the very next year they change their underwriting guidelines. Suddenly restaurants or cafes are classes of business they no longer want to insure and premiums escalate accordingly.
Whilst some insurers are happy to insure small cafes with bench top fryers, they may price themselves out of competing for your business if you have a larger deep fryer with 20-litre capacity or more.
To ensure the ongoing success of your café business, it needs to be adequately protected. With so many insurance companies out there and so many different insurance products on the market, it can be difficult to make sense of it all and make the right choice.
At Digital Insurance Brokers Ni, we are specialist insurance brokers who know the café, restaurant, takeaway, bar and foodservice industry just as well as you do. We also know insurance.
We can help you to determine the right level cover and the right product, and achieve real value for money. Plus we have all your insurance needs covered – from general insurance through to protecting your business’s most important assets, you and your people.
Speciality café insurance:
- Fire and Perils Insurance – Building, Stock, Contents, Removal of Debris, Accidental Damage
- Business Interruption Insurance – Gross Profit, 12/24/36/48 Month Indemnity
- Burglary Insurance – Stock, Contents, Alcohol and Tobacco
- Corporate Travel Insurance
- Glass Insurance – Internal and External Glass
- Marine Cargo Insurance – Import, Export, Local
- Liability Insurance – Public and Products
- Management Liability Insurance
- Machinery Breakdown Insurance
- Money Insurance – In transit, Business hours, in safe, after hours, in private residence
- Motor Vehicle and Fleet Insurance
- Professional Indemnity Insurance
- Cyber Insurance
We understand how insurers work as the majority of our staff have worked for insurers. We also understand hospitality business operations and where your claims are likely to come from. For example, we know from experience you will have a machinery breakdown claim at some point if you operate a café or restaurant. A fridge motor or cool room motor operating 24 hours, 7 days a week has only a certain lifespan and will eventually break down resulting in a financial loss to your business. We can plan for such events and ensure we help you to better manage your business and minimise your costs as best as possible
The job of your insurance is to give you peace of mind that your business is properly covered. And the policy that we recommend for you will give you just that.
Our expertise across a broad range of business sectors enables us to know what questions to ask to discover what risks your business may be exposed to. Armed with this information and our knowledge of the range of business insurance policies in the market, we can make a recommendation that accurately reflects the circumstances of your business.
Contact us today for expert advice to gain the right insurance cover for your business, at a competitive price.