Business Insurance for Coffee Shops and Cafes

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Coffee Shop
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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.
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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.

  • 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.

  • 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.
  • 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.

  • 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.
  • 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
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