Business Insurance for Coffee Shops and Cafes

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Why do coffee shops and cafes need business insurance?

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.

Barista pouring a drink at a cafe counter.
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Find the right 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.

What business insurance policies do coffee shops need?

These insurance policies cover the most common risks of running a cafe.

Business owner’s policy icon

Business owner’s policy

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.

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

Workers’ compensation insurance

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.

  • Employee or barista medical expenses
  • Disability benefits
  • Legal costs
General liability insurance icon

General liability insurance

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.

  • Slip-and-fall accidents from wet floors
  • Libel and other advertising injuries
  • Product liability insurance
Commercial auto insurance icon

Commercial auto insurance

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.

  • Medical bills from an accident
  • Property damage from an accident
  • Vehicle theft and vandalism
Liquor liability insurance icon

Liquor 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.

  • Injuries caused by intoxicated patrons
  • Property damage caused by intoxicated patrons
  • Legal defense costs
Cyber liability insurance icon

Cyber liability insurance

This policy helps coffee shops and cafes recover from cyberattacks and data breaches. It's recommended for any business that stores customer information.

  • Data breach notification costs
  • Fraud monitoring services
  • Cyber extortion payments
Looking for different coverage? See more policies.

How much does coffee shop insurance cost?

Owner of a food and beverage business calculating costs.

A small coffee shop or cafe will pay less for commercial insurance than a larger company.

Factors that affect premiums include:

  • Size and type of business
  • Coffee shop/cafe property and equipment (e.g., espresso machines)
  • Business income
  • Business operations
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get coffee shop business insurance?

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

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.

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