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Compare coffee shop insurance

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.

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


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.

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

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

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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)