Coffee Shop Insurance
Save up to 25% on cafe insurance.*
Choose your primary coverage to get started:
Coffee shop insurance can help protect you from
The costs of injuries and food-related claims
Someone slips, trips or gets hurt in your shop, and you’re asked to cover their medical bills.**
Theft and vandalism costs
Your cafe has graffitti, broken windows, a busted door and stolen inventory. You need financial help to cover costs — fast.
Damage costs from fire or extreme weather
A fire, hail storm or burst water pipe ruins your sitting area, computers and POS systems, furniture, flooring, lighting and the space you lease or own.
Lost business income
If you need to close for repairs after an event like a burglary or a fire, your business insurance could help cover your financial losses.
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.
Liquor liability
If you serve alcohol to an intoxicated customer who breaks something or causes an injury, your coffee shop business could be held liable.
Get coffee shop insurance that’s fast, flexible and convenient
ERGO NEXT specializes in small business insurance. Coffee shop business insurance can help protect you, your business and your employees from the cost of unexpected events.
ERGO NEXT makes it easy to:
- Check prices, get covered and buy 100% online in about 10 minutes.
- Manage your policy 24/7 via web or mobile app.
- Pay monthly or annually and cancel anytime.
- Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.
ERGO NEXT specializes in business insurance for cafes and coffee shops
Insurance for coffee shops typically includes several types of policies that can help protect your business, property, employees and customers from different business risks. Your coverage may include:
General Liability insurance for coffee shops
Protection for damage to other people's property and injuries to non-employees
general liability can help you pay for:
Workers’ Compensation insurance
Often required to help cover the costs of employee work-related illness or injury
workers compensation can help you pay for:
Commercial Property insurance
Protect your work space and its contents, including inventory, equipment and other business property
commercial property can help you pay for:
Business Owner’s Policy (BOP insurance)
General Liability plus Commercial Property coverage in one package
business owners policy can help you pay for:
Liquor Liability insurance
Coverage for coffee shops that make or sell alcoholic beverages
liquor liability can help you pay for:
Save up to 25% in discounts on coffee shop insurance
Pay monthly or annually, and you can cancel at any time.
How much does coffee shop insurance cost?
Insurance premiums for coffee shops or cafés can be more affordable than you might think. What your business will pay for cafe insurance depends on several factors, including:
- The size and type of cafe that you run (coffee shop, tea house, boba shop, etc.).
- The food and beverages you sell.
- Your coffee shop location.
- Your number of employees.
- Your annual revenue.
- The coverage limits and deductible that you choose.
- Your history of insurance claims.
The best way to see exactly what your business will pay for coverage is to get a free, no-obligation coffee shop insurance quote. In about 10 minutes, you can see the cost of customized coverage for your business.
How can coffee shop insurance help your business?
Coffee shop insurance could help your business to:
- Protect your café, inventory and equipment. Property insurance could help cover your equipment, products and inventory, as well as the building space that you rent or own, if it’s damaged by an event like a burst water pipe, windstorm, fire or burglary.
- Manage the costs of liability claims. Business insurance could help protect your business if a customer is injured at your cafe or if your business accidentally damages property that belongs to someone else.
- Meet commercial lease requirements. Many commercial landlords require tenants to carry liability insurance before signing a commercial lease.
- Deal with product liability issues. If a coffee, pastry or other product you sell is alleged to have caused foodborne illness, a burn injury or property damage, product liability coverage (a part of general liability) may help with covered claims.
- Hire employees. Most states require workers’ compensation insurance for businesses with employees.
- Deliver or transport supplies. If your business uses vehicles to make deliveries or cater events, commercial auto insurance could be required in your state to cover your business driving.
Coffee shop insurance FAQ
If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.
Does coffee shop insurance cover espresso machines and other equipment?
Commercial property insurance could help protect espresso machines, coffee grinders, refrigerators, POS systems and other business property you own if they're damaged by a covered event such as a theft, hefty storm damage or a fire.
In addition to coverage for the contents of your business, property coverage could also help cover the building space itself that you own or lease for your cafe.
The amount of protection depends on your policy, coverage limits and the value of your business property.
Do coffee shops need insurance for catering and coffee carts?
If your coffee shop provides catering, operates a mobile cart or delivers beverages to customers, you may need additional insurance depending on your business operations.
Does coffee shop insurance cover food spoilage?
Depending on your policy, business insurance may help if a covered power outage, equipment failure or another covered event causes coffee, milk, pastries or other perishable products to spoil. What’s covered depends on your policy limits and the cause of the loss.
Does coffee shop insurance include Employment Practices Liability Insurance (EPLI)?
Employment Practices Liability Insurance (EPLI) is available at ERGO NEXT as an add-on to general liability insurance for eligible businesses. EPLI could help protect your coffee shop if an employee or job applicant alleges wrongful termination, discrimination, harassment or another covered employment-related claim.
How does business insurance protect coffee shops?
Damage to someone’s property
A barista spills hot chocolate on a customer’s designer coat. The general liability coverage in your insurance package could 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 could 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.How can I get a certificate of insurance (COI)?
What do I need to get an insurance quote online?
How do you file an insurance claim with ERGO NEXT?
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
