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Cafe & Coffee Shop Insurance

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Business Insurance for Coffee Shops and Cafes

Complete Business Insurance Solutions for Cafe and Coffee Shop Owners

cafe insurance cost

Running a café or coffee shop takes passion. You pour your heart and soul into crafting the perfect cup of coffee and creating a welcoming space for your community.

But without the proper insurance package, unforeseen circumstances could dash your dreams faster than spilling a fresh pot of coffee.

What coverages would help your café respond to or bounce back after common issues like customer lawsuits, supply chain disruptions, or temporary closures?

Speak with a licensed insurance company to find out how insurance can help give you peace of mind. Also, talk about any additional coverage needs.

That’s why The Allen Thomas Group offers tailored insurance coverage to meet the unique needs of cafe or coffee shops. With over 20 years of securing comprehensive policies for food and beverage establishments across 20 states, we understand the challenges café owners face. We can help you get the coffee shop business insurance you need.

From liability risks to property damage, employee injuries to customer accidents, and equipment theft to fire—we can help safeguard every aspect of your business property so you can focus on bringing people together over quality coffee without breaking the bank.

Explore different types of business insurance with us and get quotes from top carriers.

Looking for a quote?

Get it now by clicking on the button below!

What insurance do you need for a coffee shop?

Coffee shops need a tailored insurance portfolio that combines general liability, liquor liability (if serving alcohol), commercial property, workers’ compensation insurance, commercial auto coverage, equipment breakdown coverage, employee dishonesty coverage, and business interruption insurance

Commercial property insurance protects you from losses incurred from natural disasters, but it does not cover floods or earthquakes.

Additionally, you may need liquor liability insurance.  A Business Owner’s Policy (BOP) combines business income with general liability, property and extra expense coverage.

Compare insurance quotes and find the right insurance for your cafe that provides adequate coverage limits.

Table of Contents

Serving Up Security: Critical Insurance Policies for Cafes and Coffee Shops


Commercial General Liability Insurance (CGL): Your Cafe's Guardian Angel

Think of CGL as your superhero shield, protecting you from claims if someone gets hurt or their stuff gets damaged on your premises (think tripping over a rug or someone choking on a croissant). It covers legal fees, medical bills, and even repairs if they break a vase while admiring your decor.

Commercial Property Insurance: Protecting Your Beans and Beyond

From your prized espresso machine to your cozy furniture, this coverage insures your physical belongings against fire, theft, or even a rogue burst pipe. Imagine a fire scorching your kitchen - property insurance would help you get back on your feet and brew again in no time.

Workers' Compensation: Taking Care of Your Team

If your barista throws out their back lifting heavy bags of beans, workers' comp steps in. It covers their medical expenses and lost wages while they recover, ensuring they can focus on getting better, not worrying about bills.

Business Interruption Insurance: When Disaster Strikes Your Latte Art

A fire, flood, or even a major power outage can shut down your cafe and stop the cash flow. This coverage reimburses you for lost income and operating expenses while you're forced to close, so you can get back to serving smiles (and lattes) ASAP.

Food Spoilage Insurance - Protecting Your Perishables

Imagine losing an entire batch of croissants - ouch! This coverage can be a lifesaver, reimbursing you for spoiled food due to power outages, equipment breakdowns, or even accidental over-ordering (we've all been there!).

Cybersecurity Insurance: Securing Your Data

This coverage can help you recover from financial losses and legal fees if your cafe's data systems are compromised, protecting your customer data and your reputation.

Liquor Liability Insurance: Don't Let Drinks Get You Down

If you serve alcohol, this coverage is crucial. It protects you from legal liability if a customer becomes intoxicated and causes harm to themselves or others.

Equipment Breakdown Insurance: Keep The Money Flowing

Your fancy espresso machine is the heart of your cafe, and a breakdown can mean lost revenue. This coverage covers repairs or replacements if your equipment malfunctions due to mechanical or electrical issues.

Commercial Umbrella Policy: An Extra Layer Of Protection

This provides an extra layer of liability protection above your existing policies. It kicks in if the costs of a claim exceed the limits of your primary coverage, giving you extra peace of mind.

Commercial Auto Insurance: Hitting The Road With Confidence

Accidents happen, and even the most cautious driver can encounter unexpected situations. Commercial auto insurance helps pay for damage to your delivery van, catering truck, or even your personal car used for business purposes. Think fender benders, parking lot mishaps, or even hailstorms wreaking havoc on your prized vehicle.

Cafe & Coffee Shop Insurance
Smart And Easy Insurance Solutions

Explore Your Need for Insurance

cheap cafe insurance


Operating a café or coffee shop involves inherent risks that make insurance coverage essential.

Cafes face substantial liability exposures, from customers slipping and falling on wet floors to injuries sustained by employees operating hot beverages. 

Failures of ovens, dishwashers, and refrigeration units can also disrupt operations.

The impacts of property damage from fires, vandalism, or natural disasters could devastate any small business.

That’s why comprehensive insurance protects you in the event of risks so you can continue serving the community even when the unexpected occurs.

What specific risks keep you up at night? 

Explore your risks and liabilities and find the right coverage to stay afloat in the business.

Getting The Right Insurance For Your Cafe

Yes, It's Really That Easy

We know how frustrating and complex the process of finding the right coverage can be and how it slows down your ability to care for your customers.

Let us help fix it for you in 3 easy steps.

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

Get Precise Coverage For Your Coffee Shop In Minutes

It Just Takes A Few Clicks

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Coffee Shop Insurance FAQs 

Average annual costs range from $1,500 to $5,000 depending on revenue, number of employees, business location, whether you own/lease your building and other risk factors. The Allen Thomas Group offers free insurance quotes to find the best insurance for coffee shops and cafes. 

One disaster can permanently close your doors if you lack proper coverage.

Business interruption insurance covers operating expenses, payroll, taxes, and loan payments during your rebuilding from physical damage, so temporary closures don’t become permanent.

We provide customized insurance products to keep your café going even in difficult times.  

Standard coverage includes your building structure, permanent fixtures like countertops/stoves/wiring, furniture, electronics like POS systems and espresso machines, tenant improvements, inventory, equipment like coffee roasters and filters, outdoor signage, and any improvements like customized murals or tiling.

Ensure you have adequate coverage for rebuilding and re-equipping your space.

In most states, yes – if you have any W2 employees, workers’ compensation insurance is mandatory and covers lost wages & medical costs if an employee gets injured on the job.

Fines for noncompliance are steep. We offer tailored business insurance coverages meeting state requirements at the best available rates.

  • Alabama
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Georgia
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Michigan
  • Minnesota
  • Missouri
  • Montana
  • Nevada
  • New York
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Utah
  • Virginia

Our Carrier Partners


That allows us to find the best insurance rates for our food and beverage clients.

Sip on success and let ATG handle the insurance grind for your cafe!

At The Allen Thomas Group independent insurance agency, we make insuring your unique café or coffee shop simple and straightforward.

For over 20 years, food and beverage establishments have trusted us to secure comprehensive coverage at competitive rates, allowing them to focus on serving delightful cups of coffee with peace of mind that their assets are protected.

Things go wrong and coverage can help your unique business needs.

Don’t leave your hard work and dedication vulnerable – get a free quote for custom business insurance for coffee shops tailored to your café’s needs, or call (440) 826-3676 to speak with a passionate insurance specialist.

Let The Allen Thomas Group help you find the best commercial insurance for your coffee shop or cafe to keep the coffee flowing.

Get a certificate of insurance to show potential customers that you are protected from risks and liabilities.

Here, you have a guarantee to get the best insurance coverage at the right cost for your coffeehouse or cafe.  Fill out the online application below to get a quote NOW!