What coverage is best for a cafe or F&B owner?

1. WICA Insurance: Protects your employees from work-related injuries/diseases.
2. Company Health Insurance: Good-to-have benefit for hospitalisation and (depending on how you configure it) outpatient benefits, like GP visits.
3. Public Liability Insurance: Protects your business from liability from third-parties, e.g. customers in your F&B store.
4. Commercial Property Insurance: Protects your business premises from major physical damage.

Hi Anon, off the top of my head are 3 forms of insurance that an F&B owner will and might need.

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1. WICA Insurance - This is mandated by law and you will need to get this for your employees who are at the shop. You can not do without it.
2. Fire Insurance - It's an F&B and fires are more likely to break out there, even so, if you're not an F&B, there are things like electrical fires and the like.
3. Public Liability Insurance - If anything happens to your patrons and they try to sue you, you're still protected because you have this insurance to cover legal and compensation costs.