Coffee Shop Insurance | Right Cover & Price

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Coffee shops are a hive of activity, bustling with people looking for drinks and refreshments and a place to rejuvenate. With hot drinks, food and a high footfall of customers, you need quality coffee shop insurance to protect your business in case something goes wrong.

As a coffee shop owner you’re responsible for the safety and welfare of your customers, your staff and suppliers while they’re at your shop, meaning protecting against the unexpected is essential. We understand the time pressure of running your own business which is why we’ve made it quick and easy to protect your coffee shop by combining essential covers into one easy to buy policy.

You can compare coffee shop insurance quotes online from some of the UK’s leading insurers in a matter of minutes if you know the covers you are looking for. Alternatively if you’re looking for some guidance and advice call and speak to our insurance advisors who are on hand to make professional insurance recommendations that are tailored to your business activities.

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Insurance for coffee shops

Serving hot drinks, light bites and providing a relaxing environment for all your customers can leave you exposed to a number of risks that could lead to claims being made against you. You need comprehensive coffee shop insurance to protect your clients, your staff and suppliers in case something goes wrong.

We have many years’ experience arranging insurance for coffee shop owners meaning we can help you find the right cover at the right price for your business.

Whether you’re providing light bites or afternoon tea, roasting your own beans or selling a variety of cafetieres, percolators and other coffee related gifts and gadgets, we can arrange tailored insurance to protect your business against the unexpected.

Coffee shop liability insurance

Liability insurance is an essential cover for any coffee shop owner to protect your customers, staff and suppliers. Accidents can happen when you least expect and compensation claims can be costly. Public liability insurance can protect your business against claims from customers and other third parties for accidental injury or accidental damage to property. Employers’ liability insurance is required by law if you employ staff to protect them in case of an accident at work.

Coffee shop contents and stock insurance

As well as considering your liability insurance, it’s essential that you protect your equipment, contents and stock. Without this in place you may struggle to provide the great daily service that keeps your customers coming back to you.

A burst pipe overnight could cause damage to your contents, stock, machinery and buildings, it may even mean that you have to shut for a few days to repair the damage. We can arrange coffee shop insurance that will help you get back up and running following a range of eventualities to give you peace of mind and a helping hand when things get tough.

Minimise interruption to your business

If your business is hit by an unexpected event that leaves you unable to trade such as a fire or a flood, business interruption insurance can cover you for loss of profit until you get yourself back up and running.

Property damage can often take a while to rectify; by including business interruption in your coffee shop insurance you can be safe in the knowledge that should you suffer damage to your property meaning you are unable to trade for a while, your loss of profit can be protected.

Comprehensive coffee shop insurance

Coffee shop insurance is essential for any business owner to protect against unexpected events that could impact your ability to trade. Insurance for coffee shops can protect you against a number of eventualities to give you peace of mind and security in case something goes wrong.

Covers to consider:

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

Related insurance products:

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"The questions were straightforward and the adviser explained anything I wasn't sure of clearly. The whole process was quick and easy with an immediate quote at the end. Within about 15 minutes I had completed the questions, received my quote and my insurance was all set up. Thank You!"

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"They were able to provide a bespoke package so that I only got cover for what I needed as opposed to all the unnecessary parts of a standard package policy. The staff were very polite and willing to listen to my needs.”"

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