Your coffee shop or cafe takes on risks daily. You do your best to minimize mistakes – like serving coffee that’s way too hot – but an accident could still cripple your store financially. Protect your coffee shop from legal costs and other expenses with the right business insurance coverage.
Insureon helps coffee shop owners and cafe owners find insurance that matches your unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
These insurance policies cover the most common risks of running a cafe.
A BOP bundles commercial property insurance and general liability coverage under one plan. It's a popular policy for coffee shops and cafes, and often one of the most economical options.
Most states require workers' comp for coffee shops and cafes that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
A general liability policy covers basic third-party risks at your coffee shop, such as a barista spilling coffee on a customer's laptop. It's required for most commercial leases.
This policy covers financial losses from an accident involving your coffee shop’s delivery van or other vehicle. Each state has its own requirements for auto liability insurance.
This insurance covers legal fees, property damage, and medical costs if alcohol is served or sold at a coffee shop or cafe to a visibly intoxicated person who then harms others.
This policy helps coffee shops and cafes recover from cyberattacks and data breaches. It's recommended for any business that stores customer information.
A small coffee shop or cafe will pay less for commercial insurance than a larger company.
Factors that affect premiums include:
It's easy to get coffee shop insurance policies if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right small business insurance coverage for your coffee shop or cafe, whether you work independently or hire employees.