Our coffee shop insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:
Damage to someone’s property
A barista spills hot chocolate on a customer’s designer coat. The
general liability coverage in your insurance package would help pay for a replacement.
Accidents that hurt someone
A customer burns their mouth on coffee that is served too hot. Your
general liability insurance for a coffee shop would also come into play here by helping to pay for medical costs and legal fees if you go to court.
Workplace injuries
You slip and fall on a mopped floor and injure your shoulder.
Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.
Injuries and damage involving your business vehicles
Your windshield is smashed by a baseball while parked on a street outside the shop.
Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.
Damage to your own property
An electrical fire causes damage to the seating area in your coffee shop.
Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.
