My Account
Short answer: a café should tell its broker before adding delivery and check that its policies reflect the new activity. Existing premises cover may not automatically address delivery vehicles, goods in transit, customer complaints or a changed turnover profile.
Map the delivery model
Clarify whether orders are delivered by café employees, a platform courier or a third-party logistics provider. If staff use their own vehicles, confirm that the motor insurance permits the relevant business use; ordinary social, domestic and commuting cover may not be enough. If the café owns or leases vehicles, check the commercial motor arrangements and authorised drivers.
Consider product liability for allegations that food caused injury or property damage, and public liability for incidents at the premises or during business activities. The wording defines what is insured. A platform contract may also require particular evidence or limits, but contract terms do not themselves expand an insurance policy.
Operational and property checks
- Update the broker on food preparation, delivery radius, opening hours and annual turnover.
- Review hot-food handling, packaging, allergen information and order traceability with appropriate food-safety guidance.
- Check whether stock, equipment or refrigerated goods have relevant limits and exclusions.
- Ask how interruption cover responds to insured damage and whether any delivery-specific dependency is excluded.
Read Insure24’s business insurance information and contact the team to discuss the change. Insure24 is a broker; availability and terms depend on the insurer and policy wording.
General information only. Consult current food-safety guidance for operational requirements.
Common questions
Does this article replace insurance advice?
No. It is general guidance only. The right policy still depends on the business activity, contracts, locations, turnover, staff, assets, claims history and insurer wording.
What information should I prepare before asking for quotes?
Prepare turnover, wage roll, activities, locations, contract requirements, claims history, asset values, existing policy details and any deadlines for evidence of cover.
Where should I go next?
Use the main Cafe Shop Business Insurance page if you are ready to compare quote-led cover options or talk through the risk with Insure24.