Running a bar, restaurant, café, shop or small business means dealing with customers, suppliers, staff and daily costs. The last thing you need is an unexpected incident putting your income at risk.
A good business insurance policy can help protect your premises, equipment and liability if something goes wrong.
In simple terms, cover can include:
Fire, smoke and water damage to your premises, furniture, stock and equipment.
Theft and vandalism, including damage caused during a break-in.
Public liability, if a customer or third party is injured or their property is damaged in connection with your business.
Employer’s liability, helping protect you if an employee suffers an injury at work.
Glass and signs, useful for shop fronts, windows, displays and exterior signage.
Loss of rent or loss of income, if a serious insured incident forces you to close temporarily.
Every business is different, so your policy can often be adapted with optional cover such as:
Breakdown of refrigeration, air conditioning, kitchen machinery or electrical equipment.
Stock deterioration following a fridge or freezer failure.
Legal expenses and professional support for certain disputes.
Cash cover, including money held on the premises or in transit.
Cyber cover, particularly if you take card payments, hold customer data or rely on online bookings.
Cover for terraces, outdoor furniture, awnings and contents outside the premises.
The cheapest policy is not always the best one. What matters is that the sums insured, liability limits and extensions reflect the way your business actually operates.
At Sam Campbell Insurance, we help English-speaking business owners in Spain arrange practical insurance for your bar, restaurant, café, shop or other local business.