Get insurance tailored to your business
Our coffee shop insurance covers a range of small businesses so that you can focus on what you do best:
| Tea room | Cafe | Juice bar |
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.
ERGO 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 750,000 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
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
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.