Insufficiently trained employees can be a drag on a café or restaurant at the best of times, affecting your productivity, safety, and the overall wellbeing of your small business.
Add a chronic labour shortage in the mix and small business owners could have a serious problem, as it now has the potential to heighten the risk of an insurance claim.
Yet this is the situation many in the hospitality sector are faced with, as a reported backlog in Australia’s visa processing means returning international workers have slowed to a trickle.
And demand is increasing, with the number of hospitality postings up 104% since February 2020, the industry has struggled to keep a skilled workforce operating.
Essentially, small business owners find themselves in a Catch-22 situation: they desperately need skilled employees to keep up with demand and maintain their business, but the available pool of workers could be a liability in the workplace.
Slips, trips, mishaps caused by chemicals, spoiled food, electrical equipment – the list of potential accidents that could happen in a restaurant or cafe goes on and on.
If a customer, supplier, or a member of the public is injured or sustains property damage because of the negligent activities of your employee, you could be held liable.
So, what can you do?
One of the first things you could do as a small business owner is get protected.
Public Liability insurance is designed to protect you and your hospitality business if a third party is injured or sustains property damage because of your negligent business activities.
Public Liability cover is essential for restaurant or café owners as they protect businesses from risks they frequently come up against. Of course, many will already have this form of protection. But the question is, are you still adequately covered when the risk is heightened?
Protect your business today
From early and structured training to utilising technology, there are many ways you can reduce the risk of inadequately trained employees.
But in order to build a sustainable hospitality business amid adversity, they are not a substitute for protection. Accidents are often an inevitable part of life and can still happen no matter how much you prepare for them.
Fortunately, BizCover has made sorting your insurance easy because life can already be dramatic enough! With just a few clicks of a mouse or a phone call, you’ll get multiple competitive quotes. Select your preferred policy, and you’ll be covered instantly, so you can get back building your team.
Visit bizcover.com.au to get your insurance sorted today – it really is no dramas!
This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
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