When you are starting a business, no matter what it is, you have to make sure that you have thought through absolutely everything. Especially all of the legalities and loopholes that you might possibly fall into. One of the things that you need to be absolutely certain about is the procedure for any accidents that might take place in your workplace, which leads into the insurance you may need. One type of business you may own and run could be a café. It does not need to be a big café, or even one that gets a lot of customers and business; but you still need to make sure you have the suitable café insurance (you can do this online at http://www.restaurantinsurances.co.uk/).
There are several reasons why you may need insurance for your business. Actually no, there are several reasons why you definitely need insurance for your business. When you have people working for you; your staff; they ultimately should be properly trained in every aspect of the business. Only when they have been properly trained, and signed off in a contractual form, does it become apparent that no blame can lie on you if one of them should have an accident. However; this process is extremely long and strenuous, and will more than likely feature some loopholes somewhere along, which means that should an accident happen in your café to one of your members of staff; they may be able to claim compensation from you. If you do not have the correct insurance for your café or business, then this means that you will have to pay for the compensation yourself – which has the potential to take your possessions into account and close down your business.
The easiest way to avoid getting a claim directed at you is to have café insurance for your business. Not only for the customers but for your staff too. There are two types of insurance that you should have for your café. These are public liability insurance – which covers anything that may happen to a member of the public inside your café. And employers liability insurance – which covers your members of staff against possible accidents that can happen in the workplace that could have been properly avoided.
Public liability insurance is made to cover and possible accidents that could happen in the service area of your café. There are a number of things that could fall under this; the most common ones are when people slip over on a spillage of a liquid and hurt themselves, and potential accidents made by the staff, such as dropping a cup of coffee and scalding someone. All of these can easily be avoided by following the correct procedures inside the business; such as leaving a wet floor sign out until it is completely mopped up and dried, and not carrying too much of the hot liquids around where people are sitting. Accidents however are inevitable; and so you are not able to think of everything that could possibly happen. This is what insurance is for.