Do I need product liability cover for a shisha café?
Product liability is concerned with claims made for injury or personal property damage attributable to a product used or provided by a business. Naturally, in a shisha café, the main product you might wish to cover is the shisha itself. Some cafes create their own shisha blends for sale or relabel pre-made shisha. Given that this item is tobacco, with its irrefutable health implications, securing product liability for the shisha is complicated. Seeking out an insurer with experience in specialist cover will help smooth the path to comprehensive product liability coverage.
Shisha café insurance will always benefit from product liability cover because many other items used within the business could pose a risk of injury or property damage to members of the public.
I employ staff at my hookah bar. What cover do I need?
If you hire staff within your hookah bar, it is currently a legal requirement in the UK to hold at least £5 million worth of employer's liability cover.
This employer's liability cover can be added to your hookah bar insurance. It's used to defend and pay out for legal claims by staff members for injury or illness attributable to their work within your business.
Will my shisha bar insurance cover my contents and stock?
When you've started up your own shisha bar, you know just how much time and money goes into creating a venue that not only meets the regulations relating to the use of tobacco but that creates the right ambience for this style of establishment.
With their intricate designs and multiple pipe attachments for hygiene purposes, the communal waterpipes for customers to smoke shisha represent a significant investment. Sadly a target for theft due to their value, it's essential to discuss with your insurer how to protect these assets, and the others held on your premises.
There's far more to your shisha lounge than the hookah pipes. With the food and beverage side of operations to take into consideration, you'll want to provide sufficient cover for your:
- Shisha, bar and kitchen stock
- Fixtures, fittings and furniture
- Waterpipes, glassware, silverware and crockery
- Kitchen equipment
- Decorations
Should I Include Professional Indemnity Insurance?
Given the nature of your venue, your insurer will need to discuss your unique risks with you - including those which standard cover cannot negate. Professional indemnity offers protection against claims made by a member of the public who asserts that the service you provided or the advice you offered led to harm.
A shisha bar involves tobacco use, with all the associated health risks of inhaling shisha smoke and breathing in that smoke second-hand. As a business, you need to provide adequate and up-to-date advice for your customers and any members of the public entering your premises.
If you'd like to include professional indemnity cover to your hookah bar insurance, be sure to discuss the limitations of that cover regarding tobacco use with your insurer.
At Park Insurance, we are passionate about working with business owners to provide them with bespoke cover that meets your exact requirements without going over budget. We will take the time to learn about your shisha bar, identifying the insurable risks and keeping you informed of those risks that cannot be covered. Give one of our friendly insurance experts a call today to see how we can support your business.