Business Insurance for Coffee Shops and Cafes

Compare multiple quotes from top carriers with one application.
Coffee Shop
Two freshly made lattes.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

Save money by comparing business insurance quotes for coffee shops

Your coffee shop takes on risks every time a customer walks through the door. Protect your small business from legal costs and other unexpected expenses with business insurance for your coffee shop.
Barista pouring a drink at a cafe counter.
Cursor pointing on laptop screen

Compare quotes from top carriers

Insureon helps coffee shops and cafes compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do coffee shops and cafes need?

These policies provide coverage for the most common risks of running a cafe.

Business owner’s policy icon

Business owner’s policy

This policy bundles property insurance and general liability insurance under one plan. It’s a popular policy for coffee shops and cafes, and often one of the most economical options.

BEST FOR
  • Customer injuries
  • Damaged business property
  • Business interruption incidents
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for coffee shops that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Missed wages
  • Legal costs
General liability insurance icon

General liability insurance

This policy covers common risks at your coffee shop, including customer injuries, customer property damage, and advertising injuries. It’s required for most commercial leases.
BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers the cost of accidents involving delivery vehicles belonging to coffee shops or cafes, as well as vehicle damage due to vandalism or theft.

BEST FOR
  • Medical bills from an accident
  • Property damage from an accident
  • Property damage from vandalism or theft
Liquor liability insurance icon

Liquor liability insurance

This policy covers legal fees, property damage, and medical costs if alcohol is served or sold at a cafe to a visibly intoxicated person who then harms others.
BEST FOR
  • Injuries caused by intoxicated patrons
  • Property damage caused by intoxicated patrons
  • Legal defense costs
Looking for different coverage? See more policies.

Why do coffee shops need insurance?

Even a small incident can have big repercussions. Remember the $3 million lawsuit over a spilled cup of coffee at a McDonald’s drive-through? You do your best to minimize mistakes – like serving coffee that’s way too hot – but an accident can still cripple your cafe without the right insurance in place.

How much does insurance cost for coffee shops?

Owner of a food and beverage business calculating costs.

Several factors will have an impact on insurance costs, including:

  • Coffee shop equipment and property
  • Food and drink offered
  • Revenue
  • Location
  • Number of employees
View Costs
What our customers are saying
Carousel prev arrow
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
Programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
Carousel next arrow
Insureon customer reviews on Feefo
Compare insurance quotes for coffee shops
Save money by comparing insurance quotes from multiple carriers.
Coffee Shop