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Compare café insurance

Cafés offer a relaxing retreat for people to enjoy food and drinks with friends and family at their leisure. With so many customers visiting your premises every day it’s essential you have the right café insurance in place to protect your business.

We understand that running a café is a busy occupation and can put pressure on time, which is why we’ve made it quick and easy for you to get the café insurance you need in one easy to buy policy. You can compare quotes online from some of the UK’s trusted insurers in just a few minutes or call us to get advice from our insurance advisors. They’ll make insurance recommendations based on your business’s unique requirements.

If you run a café or snack bar or you’re looking for internet café insurance, we are on hand to arrange the right cover at the right price for your business. Simply give us a call for advice or if you know your insurance needs and don't need advice, simply go online to compare quotes in minutes.

Why choose us?

  • Compare insurance quotes
    Right cover, right price
  • Protect your business online
    It's simple and hassle free
  • Expert advice in just one call
    Insurance tailored to your needs
  • Monthly payment options available
    Your business, your budget
  • Excellent customer service rating 
    Rated 4.6/5 based on 189 Feefo reviews

Start your insurance quote:

For advice:   
Request a call back


Protecting your Café

All café owners who want to protect their livelihoods from unexpected events should take out insurance. We help hundreds of café owners protect their business by arranging the right café insurance policy at the right price. We understand that not every business is exposed to the same risks but insurance can protect you and your business financially if something goes wrong.

We’ve helped many café owners arrange business insurance that’s uniquely tailored to their business activities in one easy to buy policy. We understand the exposures you face daily and can combine liability cover, contents, food stock and much more to help you find comprehensive insurance for a café in case something unexpected happens.

We can arrange protection for all your business contents, and buildings if required, and can even source cover for business equipment away from your business premises.

Café liability cover

Café insurance will cover a variety of risks and can protect you against unforeseen eventualities allowing you to work without worry. For example, if a customer slips or falls in your premises you may need to pay compensation for injury, which should be covered by public liability insurance. You’ll also need products and public liability cover to protect you if your activities cause injury or illness to one of your customers. If you employ others, you must take out employers' liability insurance in case a member of staff is injured at work and is entitled to compensation.

Café stock cover

Your stock is often just as vital to your business as your equipment. A faulty fridge could damage your fresh produce, or a flood could destroy your stock. This means contents and stock cover can often be an essential part of your café insurance policy.

Minimise interruption to your business

If something unfortunate was to happen to your cafe, business interruption insurance could minimise the impact on the day to day running of your business and help out financially – giving you peace of mind and a helping hand when things get tough. Business interruption insurance can be included to cover you for loss of profit while you deal with the consequences of an event which forces you to temporarily cease trading.

Insurance for cafés

We understand the time constraints that come alongside running your own business, and finding time to source competitive and the right café insurance for you can be challenging. That’s why we are on hand to make arranging your business insurance simple and hassle-free.

If you know your insurance requirements you can compare café insurance quotes online in a matter of minutes. Alternatively, call us today for advice and to discuss your insurance requirements. You’ll get you the cover you need and the peace of mind that your business is protected.

Add 24/7
Business Emergency
cover for less than £79

Protect your business, minimise disruption and save money on emergency repairs.

Find out more


Covers to consider:

  • Business equipment and stock
  • Public and products liability
  • Employers' liability
  • Business interruption
  • Buildings cover
  • Deterioration of stock
  • Outside catering


Start your insurance quote:

For advice:   
Request a call back


"I’ve used Premierline for my work insurance for a few years now. They always find me such competitive prices. As a small business owner I really couldn’t afford the prices when I looked online myself especially after having had no work for 7 weeks when Covid-19 first hit. So it was a huge relief to find a policy I could afford and be ready for when work started to pour in."

Mrs Bridger, Cleaning Contractor, Devon (Customer since April 2017)

"I rang Premierline just to check other insurance offers, after my sky high renewal from my previous insurer. The adviser was friendly and very easy to understand and talk to and he got me a fantastic deal. Very happy.”

Mrs McCall, Pet Shop, North Shields (Customer since January 2021)

"Overall, Premierline offered a great service in securing my annual Professional Indemnity insurance. It was a very simple process and everything was explained well."

Mr Jones, Marketing Consultancy, Manchester (Customer since September 2021)