Coffee Shop Insurance

Protect your cafe with customized, fast and always-on insurance.

Choose your primary coverage to get started:

Business Owner’s Policy

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Workers’ Compensation

General Liability

Liquor liability

Other Coverages

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Coffee shop insurance tailored to your business

Business insurance for a coffee shop or cafe can help when an injury or property damage threatens your business.

NEXT makes it fast, easy and affordable to get the insurance coverage you need, modify your policy or file a claim 24/7, and get instant proof of insurance.

We protect more than 450,000 small businesses like yours, including over 10,000 in the food and beverage industry.

Coffee shop insurance can help protect you from:

Theft

A burglary means that expensive equipment (like your La Marzocco) needs to be replaced – fast.

Injury or illness liability

A customer files a lawsuit or asks for medical payments to cover an injury or a burn claim from a hot drink.

Property damage and vandalism

A fire, water damage or power outage can damage equipment and inventory.

Liquor liability

If an intoxicated customer breaks something or causes an injury you could be held liable.

A fresh brew of insurance for cafes and coffee shops

We help you choose the best coverage options to protect your business, property, operations, customers and workers. Coffee shop business owners often consider these types of business insurance:

General Liability insurance

For slip-and-fall injuries and damage to property you don’t own

Cafe insurance can provide financial help for many financial risks to your coffee shop, including:

general liability can help you pay for:

Medical payments

Damage to property you don’t own

Legal fees and judgments

Employment practices liability

Workers' Compensation insurance

Often required by the state if you have employees

Workers’ compensation insurance is often required if you have employees. It can help pay for medical expenses and lost wages if a worker suffers a workplace injury. Cover your small business for:

workers compensation can help you pay for:

Medical bills for employee injuries

Lost income

Employer liability

Business Owner’s Policy (BOP)

Financial help after customer injuries and property damage

A business owner’s policy includes liability coverage from commercial general liability and commercial property insurance. It can help protect you and your business from financial losses related to:

business owners policy can help you pay for:

Customer injuries (a.k.a bodily injury) like burns or scalding

Damage to your business property

gear and goods

Food contamination

Business income interruption

Equipment breakdown coverage

Liquor Liability insurance

You could be liable for alcohol consumption at your business

If your cafe serves alcohol, you could be held responsible if a guest injures themselves, someone else or damages property. Consider liquor liability insurance for your coffee shop in case of:

liquor liability can help you pay for:

Injuries

Property damage

Legal fees and medical payments

10,000 food and beverage businesses trust NEXT

Simple process

Love my new insurance company. The process to get started is very simple. This insurance is the most affordable I've had in the last 4 years!

Adrian S.

Great insurance

I have not seen any insurance this simple. They make it easy. They have whatever coverage you need.

Idris H.

NEXT Insurance for small businesses

This place is awesome and very affordable. Without NEXT I'd be paying an arm and a leg somewhere else. NEXT, THANK YOU so very very much.

Jonathan W.

You can save up to 25% in discounts on coffee shop insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much is insurance for a coffee shop?

Your coffee shop insurance cost (also called the premium) varies based on:

The type of cafe you run (coffee shop, tea house, boba shop, etc.).
Your coffee shop location.
Your payroll and what your employees do.

Get a free coffee shop insurance quote. You’ll know exactly what your business will pay in under 5 minutes, and you can make a purchase 24/7.

What type of insurance does a coffee shop need?

Food and beverage industry insurance requirements vary by state and different situations. Insurance for your cafe may be necessary to:

Serve customers. Commercial landlords and local governments might want you to have general liability insurance or workers’ compensation to serve onsite and to-go.
Hire employees. Many states require workers’ compensation from the first day you bring in extra workers.
Deliver, pick-up or drive for business. Business-owned vehicles typically need commercial auto insurance.

Repair or replace property you own or rent. Protect your inventory, kitchen equipment and the building that you lease or own.

Learn to boost your coffee shop business

Insurance is just a small part of running a cafe. Dive deep into the NEXT Small Business Blog for tips and guidance, including:

Frequently asked questions about business insurance

Here are some of the most common questions we get about coffee shop liability insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect coffee shops?

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.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with NEXT. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current NEXT Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.

How does the claims process work with NEXT Insurance?

If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
If you cannot access your online account and require help from our support team, please visit our online help center.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

More professions that are covered by NEXT

Bakery, Butcher Shop, Catering, Coffee Shop, Farmers Market, Food Cart, Food Truck, Grocery Store, Personal Chef, Restaurant

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.