☕Food & Hospitality
Public Liability Insurance for Cafes
Cafes face food safety risks, customer injury, and property damage liability. Our cafe insurance covers food poisoning claims, slip and fall injuries, and property damage from equipment or spillage.
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✅ What's Covered for Cafes in NZ
Food poisoning compensation claims
Slip and fall injury liability
Burn injury from hot beverages
Property damage in cafe
Legal costs for defending food safety claims
Emergency medical response
Remedial food safety costs
Typical NZ Premium
$700 – $1,500/year
Cover limits: $1M or $2M
⚠️ Key Risks Facing Cafes in NZ
Without public liability insurance, a single claim could threaten your livelihood. These are the risks most commonly faced by cafes in New Zealand:
01Food poisoning from contaminated food or drink
02Slip and fall injury from wet floors
03Burn injury from hot beverages or equipment
04Choking or injury from food
05Property damage from fire or water
06Injury from broken glass or utensils
07Allergic reaction to food ingredients
08Third-party injury in cafe space
Frequently Asked Questions
If a customer gets food poisoning from my cafe, am I liable?
Yes, if it's due to poor food safety or hygiene. Public liability covers the compensation claim. Maintain strict food safety standards and HACCP procedures.
What if someone burns themselves on hot coffee?
You're liable if the cup was improperly filled or the temperature was dangerously high. Insurance covers the burn injury claim.
Does the cover include outdoor cafe seating?
Yes. Indoor and outdoor seating are both covered. Outdoor areas may have additional wind/weather risk. Ensure proper maintenance of outdoor areas.
Am I covered if a customer claims allergic reaction to food?
If you failed to disclose ingredients or didn't warn of allergens, you're liable. Always provide allergy information and keep ingredient records.
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