Professional butcher insurance
The job of butcher is exposed to many risks. In fact, after having bought the animals in carcasses or in quarters, the butcher is responsible for storing, cutting and preparing the meat for sale. If you are in a trade, you should think about your protection first and try to minimize the risk of injury, food poisoning and fire. Overview of insurance to take out if you are a butcher.
The profession of butcher
The butcher's role is to debon carcasses, cut meats into pieces and clean poultry, rabbits and game. He can work with all kinds of meats or else specialize. As part of his job, he decorates dishes and offers ready-to-go meals. He can also give advice on preparation and cooking. He can work alone or in a team. It can be used in different types of businesses such as in an artisanal butcher's shop, in the butcher's department of a large supermarket or even in a slaughterhouse.
In most cases, the butcher has to work standing up, which requires good physical condition. Since part of the activity takes place in a cold room, he must be able to adapt to sudden changes in temperature and be able to carry heavy loads. He must also exercise great dexterity when using sharp tools. Finally, he must also know how to handle products while respecting the rules of hygiene.
The risks of the butcher's job
The job of a butcher is not without its risks. Quite the contrary, if you practice as a butcher, you will have to be prepared for all kinds of problems. For example, it may happen that one of your customers is injured in your butcher's shop or that a customer becomes ill from food poisoning. Your refrigerated truck can break down at any time, slowing your business down. Likewise, your cold room may also be broken. Even if you take all necessary precautionary measures, there is a risk of accidents and injuries. That's not all, because your business premises can be damaged following a disaster, such as fire, water damage or broken glass.
Butcher's shop: essential professional insurance
Professional liability insurance
Although this insurance is not compulsory, it must necessarily be taken out. If one of your customers becomes ill after consuming what you have sold or prepared, they may incur professional liability. You will be responsible for the food poisoning and have to compensate him. With professional liability insurance, you will be able to continue your activity with complete peace of mind. Namely that breaking the cold chain can cause disease and food poisoning.
Business vehicle insurance
As part of your butcher's activity, you will be required to use refrigerated vehicles to transport your equipment and your stock. These are company vehicles that must be insured. The minimum you need to purchase is professional liability insurance also known as third party insurance. It covers bodily, material and immaterial damage caused to third parties in the context of an accident. But it does not protect you, your employees and your stock. To do this, you must necessarily opt for the all-risk formula and take out other optional guarantees.
Business interruption insurance
When a disaster occurs, your business as a butcher can be affected. The operating loss guarantee allows you to continue your activities even in the event of a disaster. It covers the financial risks resulting from the incident and pays you compensation corresponding to the loss of gross margin linked to the incident.
Business premises insurance
In order for your butcher's shop to be covered in the event of a claim, you must take out this insurance. Business premises insurance covers your butcher's shop in the event of a fire, broken glass, explosion, water damage or vandalism.
Your protection and that of your employees
In addition to the insurance mentioned above, you will also need to take out other contracts to be able to practice with peace of mind. With provident insurance, for example, you can receive an annuity in the event of incapacity, disability or death. Since an accident can happen quickly when you are a butcher, this insurance can be particularly useful.
As part of the business, you and your employees must handle sharp objects and hazardous materials.
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