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Café and coffee shop insurance

Brew up the perfect insurance package and add better business protection to your menu with cover for liability claims, broken or damaged contents, and more.

Quote online in less than 2 minutes

Public liability insurance
from £11.93 a month for £1,000,000 cover

Public liability insurance covers you for physical damage and injuries caused by your business.

Employers’ liability
£8.87 a month
£10,000,000 legally required cover for employers
Stock and contents
£14.00 a month
£50,000 to replace stock and static business equipment
Based on a quote for a cafe with an annual income of up to £100,000. All prices include IPT at 12%. Quote online or call and talk to an expert.
Bake, fry or brew? This insurance is for you

Your café, coffee shop, or tea room is a haven for your customers. A place where they can put their feet up, get a cup of tea or coffee, and indulge in a slice of cake.

But what if disaster strikes and you're left dealing with a café or coffee shop calamity?

An accident-prone customer who slips on a wet floor. A flood that wipes out your carefully crafted stock. A spilled coffee that injures an employee.

You could be facing a difficult claim. One that puts your time, money, and reputation on the line.

Café and coffee shop insurance is your safety net. It protects your business and your assets and helps to ensure service as usual.

Who needs café and coffee shop insurance?

It’s perfect for anyone who runs a café, tea room, coffee shop, and all their many variations.

As long as your business runs out of a fixed location, you’ll be covered. Even if your coffee shop is dog-friendly, or you own a more niche business like a cat café.

The kind of café and coffee shop insurance you’ll need will depend on the exact nature of your business. And if you have any staff.

Unfortunately, this type of insurance won’t cover any mobile business, like coffee carts, trailers, or vans.

What insurance do cafés and coffee shops need?

There are a few different kinds of insurance that coffee shops and cafés would benefit from adding to their menu.

You need to be prepared for claims from your customers. That’s where public liability insurance comes in. It covers you for injury and property damage caused by your business.

This could be a customer slipping on a wet floor and injuring their back. Or a barista accidentally dropping a frappuccino on a customer’s laptop. Public liability would cover any legal fees and compensation you might owe.

Employers’ liability insurance is a legal requirement if you have any employees. Unless you employ close family members. But beyond that, it protects you if an employee gets sick or injured as a result of their work.

As a business that operates out of a fixed location, stock and contents cover is perfect for protecting the things that keep your business going. From fixtures and fittings to coffee machines and kitchen equipment, it’ll pay to repair or replace if it’s stolen or damaged.

Find out more about what insurance cafés and coffee shops need.

What does public liability insurance for cafés and coffee shops cover?

Public liability insurance is vital for cafés and coffee shops.

It protects the biggest risk for your business: injury and property damage claims from your customers.

After all, you probably have hundreds of customers coming through your doors every week. Each one is a potential claim just waiting to happen.

Let’s say an office worker pops in for a coffee in the afternoon with their laptop. A treat to get them through the rest of the day. One of your baristas is delivering a cappuccino to their table and trips, accidentally dousing their laptop. They could easily claim against you for the cost of repairing their tech.

Outside of property damage claims, public liability insurance covers injury claims. It pays for any legal fees and compensation you might owe.

A slip, trip, or fall that’s the fault of your business could easily lead to a costly claim. And the less said about claims involving boiling liquids, the better.

Accidents happen. Public liability insurance prepares you for this and protects your business.

How much does insurance cost for a café or coffee shop?

Every café, coffee shop, and tea room is different. So saying exactly how much insurance will cost for your business is tricky.

It depends on a variety of things, most of which are unique to you:

  • The nature of your café/coffee shop/tea room business
  • What kind of things you sell
  • Where your café is located
  • Your footfall
  • Whether you store any stock and where it’s stored
  • How many employees you have
  • Your annual turnover.

The easiest way to find out how much you’ll pay for café and coffee shop insurance is to get an online quote.

Why should I buy my insurance from you?

Good question.

To start, you don’t need to waste time shopping around. Our friendly and qualified team are ready to help you find the insurance that’s just right for your business.

They’re real people, in a real office. And they won’t make things tricky with jargon.

Already know what you need? Great! You can get a quote and buy online in a few minutes. And all your documents will be delivered straight to your inbox.

You’ll also get some nice little perks for choosing us. Like this ‘I’m insured’ badge. And rewards whenever you recommend us.

Still not convinced? Take a look at our customer feedback page to hear from the people that really matter.

Advice, News & Know-how
What our customers say...
Easy navigation and user friendly website with competitive rates.
29 September 2023
Easy to deal with competitive price what’s not to like knocked £170 PCM off current policy - enough said
9 August 2023
Simple efficient sign up,and easy system to add to your policy if your circumstances change .
Coffee shop
31 May 2023

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