Coffee Shop Program

Civil liability protects you against material or bodily injury that you could inadvertently cause to a third party or to one of your customers anywhere in your operating territory. In other words, if an individual gets injured in your café, this guarantee covers you in the event of a lawsuit. It also applies if your building burns, if the damage reaches neighboring buildings and if you have to pay costs related to this damage. So, this coverage is essential in order to protect your business in the event of a lawsuit or a claim attributable to your business activities, your business premises or your work. It is important to carefully assess the selected limit depending on the actual risk because the consequences could be catastrophic for the survival of your business.

Product liability

This warranty insures you against material or bodily damage that your product could unintentionally cause to a third party. For example, if a person suffers from food poisoning following the consumption of one of your products and the person sues you, the insurer and its partners will take care of your defense. So, this insurance is an affordable way to protect your business in the event of a lawsuit or claim that may be attributable to your products.

Adding the executive risks, protection, known as, “D&O”, covers the directors and officers of your business. Whether you sit on a board of directors or are a corporate executive, you could be held liable for any act of mismanagement of the company. This protection covers defense expenses that arise from allegations or lawsuits against members of the board of directors or executives of a company. Such persons can also be held personally liable financially for a wrongful act, hence the importance of having this warranty that enables the protection of your personal assets.

Building insurance covers real estate, namely, walls, floors, windows, and even your company cupboards and counters against fire, theft, vandalism and much more. It also protects your electrical system, heating system, plumbing and everything that is affixed to the building. The rate of inflation and economy are constantly changing and are reflected in, among other things, the constantly rising cost of construction. We strongly recommend that you make a professional assessment of your building. Thus, you will be insured with the proper limit if an incident occurs and you will be reimbursed for the real value of your building to ensure the sustainability of your business.

The equipment used in the course of your business activities will be protected by this warranty in the event of fire, lightning or even following an explosion in order to repair or replace it.

The following are covered by this protection:

• Coffee roaster
• Coffee machine
• Coffee grinder
• Commercial equipment
• Packaging equipment
• Etc.

This warranty offers you protection against damage caused by the sudden and accidental failures of your equipment in order to repair or replace it. It also offers inspection services for your equipment.

The following are covered by this protection:

• Pressure vessels
• Electrical appliances
• Mechanical equipment
• Electronic equipment and data losses
• Loss of revenue

This addition to your insurance policy helps cover water damage at your business.

You are offered two options to add this warranty:

• Sewer back-up rider: this protection covers a backed-up sewer as well as the overflow of a catchment basin.
• Flood rider: this coverage protects you in the event of a water overflow affecting the insured premises.

This warranty protects all items and merchandise that you produce, handle or distribute, or those that are produced on your behalf. It also covers all the input products that you have acquired externally for the operation of your business activities, such as coffee beans, food, labels and the various containers that you use to package or serve your coffee, such as transportation cups.

This addition to your insurance policy allows you to protect the merchandise that belong to you and that is stored with third parties. It is very important to have your subcontracting contract analyzed by your broker before signing it, as this can affect the insurance coverage in force. To validate: the storage insurance limit, the addresses of your packer and the loss of income associated with a loss caused by your packer. In fact, if it suffers a total loss, you will suffer losses that can be insured through this protection.

With this warranty, you are protected if one of your suppliers suffers a covered loss, thus being unable to deliver its products to you. With this addition, you are compensated for operating losses resulting from this situation. This protection also covers the loss of your income in the event that one of your primary customers were the victim of a claim that would no longer enable it to buy your products, which would significantly decrease your income.

This protection covers your legal liability, in the event that you store the goods of a third party in one of your buildings and the goods are lost or damaged. You will therefore be protected if you are held liable for these losses and if legal action is undertaken by the third party or its insurer.

This addition to your insurance contract allows you to insure the goods that you transport or have transported by a third party, at any time. Your products, whether packaged or not, will therefore be protected in the event of theft or damage during ground transportation, transit, loading or unloading.

As soon as you realize that the consumption of your product could cause bodily injury or material damage to a third party, you must quickly withdraw them from the market. This protection applies to all recalls caused by the use of a product harmful to health or by the finding of bacteria in your products.

The following protections are also offered:

• Communication costs, including radio and television announcements, newspaper notices and telephone calls; 
• Costs related to product shipment;
• Costs to hire additional staff;
• Costs to rent additional storage space;
• Costs relating to the disposal of the recalled products and the non-reusable packaging materials.

This protection allows you to cover your business in the event of the loss or deterioration of your products resulting directly from contamination taking place on the insured premises. This coverage reimburses damages and the destruction of the contaminated products up to $50,000.

This warranty allows the reimbursement of lost profits or expenses incurred in order to maintain your normal operations in the event of a major disaster. For example, the rental of buildings or equipment as well as compensation for the reduction of your income.

This protection compensates you in the event that a major loss causes the loss of unsold goods. By selecting it, you are compensated according to the market value of the lost products and are reimbursed for the production cost of these products as well as for the profits that they would have brought you.

Adding this protection to your business insurance contract allows you to cover yourself, on one hand, in the event of internal fraud, such as the embezzlement of valuables or money by employees or theft of movable property by an employee. On the other hand, this protection can be extended to cover you against external fraud, such as imitation of signature, embezzlement, false emails or social engineering fraud.

This protection not only covers liability related to the management of the private information of your customers and employees, but also to the management of your own data in the event of computer hacking.

It also includes these types of protections:

• Protection against accidental computer intrusions
• Coverage of costs related to data recovery
• Coverage of costs related to the reporting of data breaches

The opportunity to assert and defend one’s rights should be available to every company. This is why the legal insurance option gives you means to act during legal difficulties. This insurance therefore covers the high fees of lawyers in addition to offering you unlimited access to advice from legal specialists. You limit disruption to your business and preserve your finances!