Café Insurance with Jersey Mutual

It is easy to see why Jersey has so much appeal to budding café owners, with its idyllic locations attracting thousands of tourists each year. If you are lucky enough to own one of the many fine establishments on the island, you need look no further than Jersey Mutual for your property insurance.

Owning a café is a labour of love, so naturally you will seek the best business insurance to protect your building.

Café insurance as unique as your menu

Whether you own a café, bistro, tearoom or coffee shop, Jersey Mutual’s Property Owners Insurance policy can be tailored to your specific requirements, whether you operate from your building or rent to tenants.

The heart of any good café is its kitchen, so if the unexpected happens – a burst pipe, a faulty oven, or even a fire – we will act swiftly to settle your claim so you can keep your doors open. If the worst happens and your café has to close temporarily, you can be confident as a Member of Jersey Mutual that you will be covered for the shortfall in your rental income.

Our thoughtful, personal service will help you get back to business as usual, with no unnecessary delays.

Our Property Owners Insurance includes the following key covers as standard:

  • Commercial buildings insurance – including (but not exclusive to) unforeseen events such as theft, malicious damage, fire, civil commotions, strikes and escape of water. You can choose to add accidental cover.
  • Business interruption (optional cover) – if your café has to close temporarily following an insured incident, then we will make up the shortfall in your rental income.
  • Property owner’s liability – to cover your legal liability for personal injury due to building defect, as well as your defence costs in the event of a legal dispute relating to your commercial property.

For more information view our Commercial Property Owner’s Insurance Prospectus.

Why café owners choose Jersey Mutual

As a Member of Jersey Mutual you can be confident in running your business and making plans for the future. We have been trusted providers of business insurance for over 150 years and can offer you the benefit of our experience to design an insurance policy that works for you.

By choosing cover with Jersey Mutual, you will also benefit from the following personal touches:

  • No brokers or third-party involvement. Your insurance policy is held and handled personally by senior members of our staff.
  • No administration fees or agent commissions.
  • Real people who really care.

Owning and running a café is time consuming, so we will deal with your claim directly, swiftly and with absolute confidentiality. You can be sure of competitive premiums, with no hidden fees or commissions. Should you ever need to make a claim, you will receive a professional and personal service from one of our senior staff members. At Jersey Mutual, we have your best interests at heart and our priority is to help your business thrive.

Please call 01534 734246 or email to talk to us about your requirements and obtain a quotation.

Please call 01534 734246 or email to obtain a quotation.


Tell us how can we protect you today…

How can we help you?
This form collects your name and contact details number so that we can assist you with your enquiry. Please read our privacy policy to learn more on how we protect and manage your submitted data.