How much does business insurance cost for coffee shops and cafes?

Coffee shop and cafe owners typically pay $75 per month for a business owner’s policy (BOP), or a median annual premium of $900. The median value eliminates high and low outliers, providing better representation of typical coffee shop insurance costs than the average value.

A business owner’s policy bundles general liability insurance with property insurance, usually at a discounted rate. Pricing is determined by your company’s location, operations, and value of business property and equipment. This policy may include business interruption insurance, which covers income lost at your coffee shop due to an unexpected closure.

Median cost per year: $900
Policy limit: $1 million per occurrence
Policy deductible: $500

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's business owner's policy cost analysis page.

The median cost of workers’ compensation insurance for coffee shops and cafes is about $85 per month, or $1,020 annually. The cost of a policy varies significantly depending on the state and your business operations.

Workers’ compensation is required in almost every state for coffee shops with employees. This coverage helps pay medical fees and lost wages for employees who are injured on the job. Most policies include employer’s liability insurance, which protects cafe owners against lawsuits related to workplace injuries.

Learn how workers' comp premiums are calculated and more on Insureon's workers' compensation insurance cost analysis page.

Liquor liability insurance is an important policy to consider for coffee shops and cafes that plan to sell alcohol. Though Insureon does not have adequate data for how much coffee shops pay for this policy, the median cost of liquor liability insurance for restaurants is about $45 per month, or $545 annually.

Liquor liability insurance protects businesses that serve alcohol from liability for the actions of intoxicated customers. In some jurisdictions, a coffee shop or cafe might need liquor liability insurance to obtain a liquor license.

Median cost per year: $545
Policy limit: $1 million

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's liquor liability insurance cost analysis page.

Coffee shops and cafes pay a median premium of about $35 per month, or $405 annually, for general liability insurance. This policy protects coffee shops against customer injuries and customer property damage, along with advertising injuries.

Insureon’s licensed agents typically recommend purchasing a business owner’s policy, which bundles general liability insurance with commercial property insurance at a discounted rate. A BOP protects your own business property along with covering common business risks.

Median cost per year: $405
Policy limit: $1 million per occurrence
Policy deductible: $500

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's general liability insurance cost analysis page.