Business Insurance for Coffee Shops and Cafes

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Save money by comparing business insurance quotes for coffee shops

Protect your business from customer-injury lawsuits and unexpected expenses related to fire, theft, and property damage with insurance for your coffee shop.
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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

Required in almost every state for coffee shops with employees, workers’ comp can help cover medical fees and lost wages for work-related injuries and illnesses.
BEST FOR
  • Employee medical expenses
  • Missed wages
  • Legal costs
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
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
Looking for different coverage? See more policies.

How much does insurance cost for coffee shops?

Woman calculating costs in front of box of food and drink.

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
"Really fantastic service and follow-up. Didn't feel pressured, felt like they were interested in my business."
Ben Warga
Customer since 2016
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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.
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