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. With this in mind your coffee shop insurance policy should be comprehensive enough to protect your clients, yourself 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. However, there are certain exceptions to this, do you need Employers Liability?
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.