What we can cover

If you run a coffee shop, restaurant, salad or juice bar, mobile food van, or catering business, Public & Products Liability Insurance (available under an AAMI Business Insurance policy) can provide cover for common third party injury and property damage risks:

• A customer has an allergic reaction to your food.
• A chair or table collapses while in use, causing injury to a customer.
• A barista accidentally spills hot coffee on your customers phone and damages it.
• A food delivery driver trips over an extension cord while picking up an order.
• A customer slips on a spilled drink on the floor and injures themselves.
• A client claims a catering order caused multiple guests to fall ill, leading to a compensation claim.

What’s not covered

• Workers Compensation – for example, your employee is injured in your café. This would typically be covered under Workers Compensation Insurance.
• Professional Indemnity – for example, your customer is unhappy with your cleaning and wants a refund.
• Cyber incidents and cyber acts – for example, a cyber-attack results in stolen customer data and a client demands compensation.
• Product recalls – for example, you sell canned food to a client which is recalled, damaging your business’s reputation.
• Damage to your own property – for example, you accidentally damage your coffee machine. More information on damage to your own property