Whether you are operating a coffee shop, sandwich bar, diner or café you need to ensure that you have adequate business insurance. Coffee shop insurance can incorporate a variety of risks from the building itself through to employer’s liability.
As the owner or manager of a coffee shop you are responsible for the welfare of your employees and customers. Tailor your insurance cover to include.
- Public liability insurance, to cover you if a member of the public sustains an injury or their property is damaged whilst in contact with your business.
- Employer’s liability insurance for full time, part time and temporary staff.
- Product liability to protect you against claims such as food poisoning.
- Business interruption cover if you are forced to close due to catering equipment failure or damage to your business premises.
- Buildings insurance to protect your premises whether a coffee shop, café, sandwich bar or diner from risks such as flood or fire. If you rent your coffee shop check with your landlord whether you need to arrange buildings insurance.
- Fixtures and fittings cover will give you peace of mind knowing that should your coffee shop fixtures and fittings get damaged you will have the cost of replacement covered.
- Stock insurance for coffee shops is a separate policy to contents insurance which provides a higher level of cover for stock which can run into thousands of pounds. If your stock is stolen, damaged or destroyed this insurance would cover the cost of replacement coffee shop stock.
- Loss of money insurance could be a valuable policy for you if you own a coffee shop. If you bank large amounts of cash each day you could be at risk of loss or theft.
- Goods in transit. If you transport stock to your coffee shop you may want to include Goods in Transit within your coffee shop insurance.
We know that you are busy and that buying your coffee shop insurance during office hours may not be convenient. We have a simple online quote system which gives you the flexibility to buy coffee shop insurance at your convenience.
When searching for coffee shop insurance ensure that you read and understand the terms and conditions and compulsory excesses before you commit to buying.
For more information read our shop owners advice page here.
