[{"data":1,"prerenderedAt":214},["ShallowReactive",2],{"guides-sl-SI-insurance-for-coffee-roasters":3},{"kind":4,"guide":5,"categorySlugs":206},"guide",{"key":6,"slug":6,"category":7,"order":8,"schema":9,"title":10,"seoTitle":11,"description":12,"excerpt":13,"published":14,"updated":14,"readingMinutes":15,"cover":16,"related":19,"body":42,"faq":112,"products":122,"sources":131,"locale":140,"sourceHash":141,"translated":142,"paths":143,"slugMap":150,"categorySlug":205},"insurance-for-coffee-roasters","starting",7,"Article","Zavarovanje za pražarno kave: kaj potrebujete in zakaj","Zavarovanje za pražarne kave: vodnik po Veliki Britaniji","Britanska pražarna kave potrebuje zavarovanje za odgovornost do delavcev, izdelkov, javnosti, premoženja, zalog, okvar in prekinitev.","Ena politika je obvezna takoj, ko zaposlite kogarkoli; ostale so tisto, kar bo vaš najemodajalec, posojilodajalec in veleprodajni kupci zahtevali. Kaj vsaka pokriva in specifična vprašanja, ki jih zastavljajo zavarovalnice za pražarno.","2026-10-09",6,{"figure":17,"kicker":18},"£5m","Zavarovanje",[20,28,35],{"key":21,"slug":21,"category":22,"title":23,"excerpt":24,"readingMinutes":15,"updated":14,"cover":25},"coffee-roaster-maintenance-schedule","equipment","Načrt vzdrževanja za vašo pražarno","Vzdrževanje ohranja doslednost praženja, preprečuje požare in je tisto, o čemer vaša zavarovalnica sprašuje po enem. Dnevni, tedenski, mesečni in letni načrt, ki ga lahko prilagodite svojemu stroju.",{"figure":26,"kicker":27},"Dnevno.","Vzdrževanje",{"key":29,"slug":29,"category":7,"title":30,"excerpt":31,"readingMinutes":15,"updated":14,"cover":32},"business-structure-for-a-roastery","Samostojni podjetnik, partnerstvo ali družba z omejeno odgovornostjo za pražarno?","Struktura odloča, kdo je odgovoren, ko gre kaj narobe, kako se obdavčijo dobički in kako enostavno je pripeljati partnerja ali prodati. Preprosta primerjava za ustanovitelje pražarn.",{"figure":33,"kicker":34},"d.o.o.?","Struktura",{"key":36,"slug":36,"category":22,"title":37,"excerpt":38,"readingMinutes":8,"updated":14,"cover":39},"roastery-extraction-and-ventilation","Ekstrakcija in ventilacija v pražarni: dim, prah in požar","Izpušni sistem pražarja nosi dim in drobce ven; prostor še vedno potrebuje zrak za gorilnik in zaščito za osebje pred dimom in prahom pri praženju. Pravila in praktične zasnove.",{"figure":40,"kicker":41},"0.02 ppm","Zrak in varnost",[43,45,47,49,51,91,93,104,106,108,110],{"p":44},"Pečarne združujejo toploto, gorivo, vnetljiv prah in chaff ter izdelek, ki ga jedo drugi. Zavarovalnice to vedo. Popolna, natančna ponudba vam zagotovi kritje, ki izplačuje; nejasna pa vam prinese polico z izključitvami, ki jih odkrijete po požaru.",{"h2":46},"Obvezno: odgovornost delodajalcev",{"p":48},"Pod zakonodajo o odgovornosti delodajalcev (obvezno zavarovanje) iz leta 1969 morajo večina delodajalcev v Veliki Britaniji imeti zavarovanje odgovornosti delodajalcev pri pooblaščenem zavarovalniku, s kritjem vsaj £5 milijonov. Pokriva zahtevke zaposlenih, ki so bili poškodovani ali zboleli pri delu. Zdravstveni inšpektorat lahko kaznuje podjetje za vsak dan, ko ni zavarovano. Samostojni podjetniki brez zaposlenih in nekatera družinska podjetja so oproščeni; preverite smernice HSE za vašo situacijo.",{"h2":50},"Pokrovi, ki jih pražarna običajno potrebuje",{"table":52},{"head":53,"rows":57},[54,55,56],"Pokritje.","Kaj to počne","Kdo to zahteva",[58,62,66,70,74,78,82,85,88],[59,60,61],"Odgovornost za izdelek","Trditve, da je vaša kava povzročila poškodbe ali bolezni, na primer kamen, ki zlomi zob.","Stranke na debelo, trgovci, tržnice",[63,64,65],"Javna odgovornost","Poškodbe obiskovalcev ali škoda na premoženju tretjih oseb, vključno na trgih in dogodkih","Lastniki, organizatorji dogodkov, občine",[67,68,69],"Zgradbe ali izboljšave najemnika","Škoda na enoti ali na opremi, ki ste jo plačali.","Lastnik (preverite, kdo zavaruje kaj v najemu)",[71,72,73],"Vsebina in oprema","Pražar, požarni sistem, mlinčki, oprema za pakiranje","Posojilodajalci in najemodajalci",[75,76,77],"Zaloga","Zelena kava, pražena zaloga in embalaža, vključno s sezonskimi vrhovi","Vi",[79,80,81],"Okvara stroja","Nenadna mehanska ali električna okvara pražarja in dodatnega gorilnika","Vi; najemodajalci včasih",[83,84,77],"Prekinitev poslovanja","Izgubljeni bruto dobiček in dodatni stroški po zavarovanem dogodku, kot je požar",[86,87,77],"Blago v tranzitu","Kava, izgubljena ali poškodovana v vašem lastnem kombiju ali pri kurirju, nad mejo prevoznika",[89,90,77],"Kibernetski.","Stroški po kršitvi podatkov vaše spletne trgovine ali evidenc strank.",{"h2":92},"Vprašanja, ki jih zavarovalnice postavljajo pražarnam",{"checklist":94,"title":103},[95,96,97,98,99,100,101,102],"Znamka pečarja, model, velikost serije in gorivo; ali ima požarni sistem","Kako pogosto se čistijo zbiralniki lupin, cikloni in kanali, in ali je to zabeleženo","Ali je pražilec kdaj pustil brez nadzora, medtem ko je vroč","Gasilni aparati po vrsti in ali so zaposleni usposobljeni","Pot dimnika in skozi kaj prehaja","Potrdila o namestitvi in servisiranju plina","Letni promet, delež prodanega na debelo in na spletu ter morebitni izvozi.","Vrhunska vrednost zaloge nepražene kave","Imate pripravljene odgovore",{"h2":105},"Prekinitev poslovanja: pravilno določite obdobje",{"p":107},"Po resni požaru lahko zamenjava pražarja, obnova kanalizacije in ponovna namestitev požarnega izpuha trajajo več mesecev. Izberite obdobje odškodnine, ki je dovolj dolgo, da pokrije to, in se dogovorite, kako boste v tem času oskrbeli veleprodajne stranke, na primer preko [contract roaster](guide:contract-roasting). Zavarovalnice pozitivno gledajo na pisni načrt nadaljevanja poslovanja.",{"h2":109},"Ohranite dokaze",{"p":111},"Mnogi zahtevki za požar se osredotočajo na vzdrževanje. Ohranite datiran dnevnik čiščenja drobtin, čiščenja kanalov in servisiranja. Oglejte si [vodnik za načrt vzdrževanja](guide:coffee-roaster-maintenance-schedule). Dnevniki serij tudi kažejo, da ste bili prisotni in da je bilo praženje znotraj normalnih meja.",[113,116,119],{"q":114,"a":115},"Ali je zavarovanje pravna zahteva za pražarno kave?","Zavarovanje odgovornosti delodajalca je obvezno za večino podjetij z zaposlenimi. Druga zavarovanja niso pravno zahtevana, vendar jih običajno zahtevajo najemodajalci, posojilodajalci in stranke.",{"q":117,"a":118},"Ali zavarovanje za odgovornost za izdelke pokriva kamen v vrečki kave?","Odgovornost za izdelek je zasnovana za poškodbe ali škodo, ki jo povzroči vaš izdelek. Preverite besedilo, omejitve in morebitne pogoje, kot je uporaba destonerja.",{"q":120,"a":121},"Ali bo moja domača zavarovalna polica pokrila praženje doma?","Običajno ne za poslovno dejavnost. Obvestite svojega zavarovalnika in uredite poslovno zavarovanje.",[123,127],{"target":124,"label":125,"note":126},"page:factory","Dnevniki serij z operaterjem in časom","Zapis, da je bilo vsako praženje prisotno in znotraj meja.",{"target":128,"label":129,"note":130},"page:leasing","Zapisniki opreme in najema","Vrednosti sredstev in pogoji najema na enem mestu za vašega posrednika.",[132,136],{"name":133,"title":134,"url":135},"Health and Safety Executive","Employers' liability insurance","https:\u002F\u002Fwww.hse.gov.uk\u002Fsimple-health-safety\u002Finsurance.htm",{"name":137,"title":138,"url":139},"legislation.gov.uk","Employers' Liability (Compulsory Insurance) Act 1969","https:\u002F\u002Fwww.legislation.gov.uk\u002Fukpga\u002F1969\u002F57","sl-SI","a680ccf1473f1d6e","machine",{"en-US":6,"en-GB":6,"de-DE":144,"es-ES":145,"es-419":145,"fr-FR":146,"it-IT":147,"ja-JP":6,"pt-BR":148,"nl-NL":149,"el-GR":6,"fi-FI":6,"et-EE":6,"lv-LV":6,"lt-LT":6,"sk-SK":6,"sl-SI":6,"pt-PT":148},"versicherung-fuer-kaffeeroestereien","seguros-para-tostadores-de-cafe","assurance-pour-torrefacteurs","assicurazione-per-torrefazioni","seguro-para-torrefacoes-de-cafe","verzekering-voor-koffiebranderijen",{"how-to-start-a-coffee-roasting-business":151,"coffee-roastery-business-plan":152,"coffee-roastery-startup-costs":153,"roastery-premises-and-planning-permission":154,"register-a-food-business-as-a-coffee-roaster":155,"haccp-plan-for-coffee-roasters":156,"insurance-for-coffee-roasters":6,"business-structure-for-a-roastery":29,"how-to-price-wholesale-coffee":157,"retail-coffee-pricing":158,"gross-margin-per-kg":159,"roastery-cash-flow":160,"staffing-a-roastery":161,"roastery-production-planning":162,"batch-scheduling-for-roasters":163,"roast-loss-and-shrinkage":164,"roastery-stock-control":165,"choosing-a-coffee-roaster":166,"gas-vs-electric-coffee-roasters":167,"new-vs-used-coffee-roaster":168,"buying-a-used-coffee-roaster-checklist":169,"importing-a-coffee-roaster":170,"afterburners-and-roaster-emissions":171,"roastery-extraction-and-ventilation":36,"commercial-coffee-grinders-for-roasteries":172,"coffee-packing-lines-and-heat-sealers":173,"coffee-roaster-maintenance-schedule":21,"leasing-vs-buying-roastery-equipment":174,"how-to-buy-green-coffee":175,"green-coffee-importers-vs-direct-trade":176,"importing-green-coffee-into-the-uk":177,"green-coffee-contracts-and-incoterms":178,"green-coffee-samples-and-sample-roasting":179,"grading-and-cupping-green-coffee":180,"green-coffee-moisture-and-density":181,"storing-green-coffee":182,"green-coffee-landed-cost":183,"selling-wholesale-coffee-to-cafes":184,"cafe-wholesale-account-terms":185,"coffee-subscription-business":186,"selling-coffee-online":187,"selling-coffee-at-markets-and-events":188,"private-label-coffee":189,"b2b-coffee-pricing-tiers":190,"coffee-labelling-uk":191,"allergens-for-coffee-roasters":192,"vat-on-coffee":193,"coffee-traceability":194,"food-safety-records-for-roasters":195,"roast-profiling-for-consistency":196,"coffee-roastery-qc-programme":197,"production-cupping-protocol":198,"development-time-and-roast-logging":199,"coffee-roasting-software-buyers-guide":200,"when-to-buy-a-second-roaster":201,"contract-roasting":202,"hiring-a-head-roaster":203,"multi-site-roastery":204},"how-to-start-a-coffee-roasting-business","coffee-roastery-business-plan","coffee-roastery-startup-costs","roastery-premises-and-planning-permission","register-a-food-business-as-a-coffee-roaster","haccp-plan-for-coffee-roasters","how-to-price-wholesale-coffee","retail-coffee-pricing","gross-margin-per-kg","roastery-cash-flow","staffing-a-roastery","roastery-production-planning","batch-scheduling-for-roasters","roast-loss-and-shrinkage","roastery-stock-control","choosing-a-coffee-roaster","gas-vs-electric-coffee-roasters","new-vs-used-coffee-roaster","buying-a-used-coffee-roaster-checklist","importing-a-coffee-roaster","afterburners-and-roaster-emissions","commercial-coffee-grinders-for-roasteries","coffee-packing-lines-and-heat-sealers","leasing-vs-buying-roastery-equipment","how-to-buy-green-coffee","green-coffee-importers-vs-direct-trade","importing-green-coffee-into-the-uk","green-coffee-contracts-and-incoterms","green-coffee-samples-and-sample-roasting","grading-and-cupping-green-coffee","green-coffee-moisture-and-density","storing-green-coffee","green-coffee-landed-cost","selling-wholesale-coffee-to-cafes","cafe-wholesale-account-terms","coffee-subscription-business","selling-coffee-online","selling-coffee-at-markets-and-events","private-label-coffee","b2b-coffee-pricing-tiers","coffee-labelling-uk","allergens-for-coffee-roasters","vat-on-coffee","coffee-traceability","food-safety-records-for-roasters","roast-profiling-for-consistency","coffee-roastery-qc-programme","production-cupping-protocol","development-time-and-roast-logging","coffee-roasting-software-buyers-guide","when-to-buy-a-second-roaster","contract-roasting","hiring-a-head-roaster","multi-site-roastery","starting-a-roastery",{"starting":205,"running":207,"equipment":208,"green-coffee":209,"selling":210,"compliance":211,"quality":212,"scaling":213},"running-a-roastery","roasting-equipment","green-coffee-buying","selling-coffee","compliance","roasting-quality","scaling-a-roastery",1791626957518]