{"id":23597,"date":"2023-09-21T13:41:12","date_gmt":"2023-09-21T12:41:12","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=23597"},"modified":"2024-01-08T17:10:54","modified_gmt":"2024-01-08T17:10:54","slug":"what-coffee-shop-insurance-do-you-need","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/what-coffee-shop-insurance-do-you-need","title":{"rendered":"What insurance do I need to open a coffee shop?"},"content":{"rendered":"\n

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\"A<\/figure>\n<\/div>\n\n\n

We all know about the UK\u2019s centuries-long love affair with tea<\/a>. It\u2019s fuelled our country\u2019s caffeine habit since the 1600s.<\/p>\n\n\n\n

But its throne looks to have been usurped by a relatively new upstart: coffee.<\/p>\n\n\n\n

Research has found that coffee now outsells tea in the UK. With 533 million packs of coffee being sold<\/a>, compared to just 287 million for tea, in the financial year ending March 2023.<\/p>\n\n\n\n

This shift hasn\u2019t happened overnight. But its effect can be seen up and down the UK.<\/p>\n\n\n\n

In the ten years between 2009 and 2019, the number of coffee shops in the UK increased from 13,034 to 25,892<\/a>. And by all accounts, this trend is continuing.<\/p>\n\n\n\n

A good coffee shop is in demand now more than ever. Even with the market becoming more saturated.<\/p>\n\n\n\n

Thinking of opening your own? Or maybe a tearoom or cat caf\u00e9 is more your speed?<\/p>\n\n\n\n

Before you start ordering your beans and machines, let\u2019s talk about how you can brew up the perfect insurance package for your new caffeine haven.<\/p>\n\n\n\n

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Choose the right beans<\/h2>\n\n\n\n

A good coffee begins with the most important ingredient: the beans. It\u2019s the foundation of a great cup of joe.<\/p>\n\n\n\n

Coffee shop insurance is pretty similar. You\u2019ve got to start with the basics.<\/p>\n\n\n\n

Do you have any employees? Then you need employers\u2019 liability insurance<\/a>. It\u2019s a legal requirement in the UK, whether you employ part-time, full-time, work experience, volunteers, or anything in between.<\/p>\n\n\n\n

Although, if your coffee shop is a family affair, you are exempt if you employ close family members.<\/p>\n\n\n\n

It covers you if an employee is injured or gets ill because of the work they do for you. And pays any legal fees and compensation you might owe.<\/p>\n\n\n\n

If you don\u2019t have it, you could be fined \u00a32,500 a day by the Health & Safety Executive. So make sure you\u2019ve got the right cover in place. Luckily, the government have put together a handy guide<\/a> to get you up to speed.<\/p>\n\n\n\n

Next, we need to talk about public liability insurance<\/a> for caf\u00e9s. It protects you if someone is injured or their property is damaged while they\u2019re with you.<\/p>\n\n\n\n

Let\u2019s say one of your baristas is delivering a coffee to a table. They might slip, dousing a customer\u2019s laptop in coffee. Or even worse, scalding their lap.<\/p>\n\n\n\n

Either would be a bit of a disaster and could lead to a nasty claim. Don\u2019t worry, public liability insurance has you covered for legal costs and compensation.<\/p>\n\n\n\n

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Froth the milk<\/h2>\n\n\n\n

Once you\u2019ve got your beans, it\u2019s time to froth your milk to perfection and complete the basis of your brew.<\/p>\n\n\n\n

When it comes to caf\u00e9 insurance, your \u2018milk\u2019 is a couple of insurance covers that take care of the things you need to run your business: contents and stock.<\/p>\n\n\n\n

Let\u2019s start with business contents insurance<\/a>. Simply, it pays to repair or replace broken, damaged, or stolen assets.<\/p>\n\n\n\n

What do we mean by assets? Well, a few things:<\/p>\n\n\n\n