Reality check, starting a food business is oh so exciting but we know that every new business has to balance the boring essentials with the excitement. That is why we talked to Melissa Donaldson from Allsure Insurance
Allsure Insurance have been looking after the insurance needs of their clients for 30 years. They help you have the peace of mind that you have the right solution and the right insurance representative helping you every step of the way. They understand the risks facing your industry and your business, and they have the experience and expertise to tailor an insurance solution to meet the needs of your business.
Melissa, firstly can you tell us why food businesses need liability insurance?
As an example, in 2012 KFC lost a case in where they caused a young girl injuries due to food poisoning. She was very very ill and will require on going care, that case was $8.3 MILLION! Would you have that money to pay a claim?
How about you have cleaned your floor at the end of the day, and a customer still comes in, and slips on the wet floor.? They didn’t know you were closed, or the floor was wet. Imagine the potential claim. Could you even afford to defend the claim, let alone pay a settlement?
Your staff are amazing, although a little inexperienced. One accidentally spills a hot drink down the back of one of your customers. What if they receive third degree burns, need surgery, cannot work for weeks and require on going care of the burns?
You make this super tasty dip, it has olives in it, one day a pip ends up in the dip. A customer takes a large scoop, bites down and breaks their front tooth on the pip! You will be expected to pay their dental.
The list goes on.
In today’s day and age of people wanting to ‘sue you’, you MUST have public and product insurance as a minimum.
We recommend that you always take out a minimum of $20 million in cover.
Do food businesses need building insurance?
My business has a lot of equipment and stock, how can I protect these?
Is there any other insurance for food businesses?
Workers Compensation Insurance, is a legal obligation if you have staff. Some states have the same rates regardless on the insurers, some states the prices vary
Why is insurance so important?
Insurance helps you
Make sure all your staff
I need help with insurance for my food business!
Your business is our business.
Give me a call, and lets see how we can help you.
Remember “ Having the right insurance is no accident”
Allsure Insurance Agencies International Pty Ltd