Cafe and Coffee Shop Insurance

Running a café or coffee shop is about more than just serving great drinks and food, it’s a fast-paced business that blends customer service, kitchen safety, staff management, and financial risk. Whether you operate a high-street coffee chain, a local café, or an artisan espresso bar, your business needs protection from the unexpected.

Our tailored café and coffee shop insurance policies are built to protect your premises, equipment, staff, and customers, keeping your business running smoothly, even when things go wrong.
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How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

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Why Choose Us for Cafe and Coffee Shop Insurance?

Extensive experience in hospitality and foodservice insurance
Access to 20+ leading UK insurers
Tailored policies for small independent cafés and large franchises
Dedicated account managers and fast claims support
Fast, hassle-free quoting process
Flexible policy terms and competitive pricing
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What Is Cafe and Coffee Shop Insurance?

Cafe insurance or coffee shop insurance is a specialist form of business insurance designed to cover food and beverage establishments against a range of everyday risks. It typically combines public liability, employer’s liability, stock and equipment cover, and business interruption into one policy.

We provide bespoke cover to suit a wide range of establishments, including:

  • Independent cafés
  • Coffee shop franchises
  • Takeaway coffee kiosks
  • Tea rooms and espresso bars
  • Mobile coffee vans
  • Café-bakeries and brunch spots
Why Might Cafés and Coffee Shops Need Insurance?

Cafés operate in high-footfall, high-pressure environments. Spills, burns, break-ins, food contamination, and equipment failure are just some of the day-to-day risks that can lead to costly disruptions or legal claims.

Café and coffee shop insurance can protect your business from:

  • Accidental injury claims from customers or staff
  • Damage to expensive coffee machines and kitchen equipment
  • Theft or vandalism
  • Stock spoilage due to refrigeration failure
  • Temporary closure due to fire, flood or gas leaks

Having the right insurance allows you to focus on delivering great service, without worrying about financial setbacks.

Common Risks Faced by Cafés and Coffee Shops

Understanding your operational risks helps shape the right protection:

  • Slips and trips from wet floors
  • Burns or cuts sustained by staff
  • Electrical faults with commercial kitchen equipment
  • Customer allergic reactions to food and drink
  • Theft of tills or electronics
  • Business disruption due to fire or gas leaks
  • Spoiled stock from broken fridges

 

 

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What Does Cafe and Coffee Shop Insurance Cover?

Our tailored policies are built around the specific needs of hospitality businesses. Core covers include:

1. Public Liability Insurance

Covers claims made by customers or members of the public for injury or property damage on your premises. Essential for any business with regular footfall.

2. Employers’ Liability Insurance

Often a legal requirement if you employ staff. Covers compensation costs if an employee is injured or becomes ill due to their work.

3. Product Liability Insurance

Protects you against claims relating to food or drink you serve that causes harm, such as allergic reactions or food poisoning.

4. Buildings Insurance

Covers the physical structure of your café (if owned) against risks such as fire, flooding, and vandalism.

5. Contents and Equipment Insurance

Protects furniture, POS systems, espresso machines, grinders, refrigeration units, and other essential tools from damage, theft or breakdown.

6. Stock Insurance

Covers loss or spoilage of food and drink stock caused by equipment failure, power cuts or contamination.

7. Business Interruption Insurance

Compensates for loss of income if your business has to close temporarily due to an insured event.

FAQs

Only employers’ liability insurance is often a legal requirement if you have employees. However, public liability and product liability are critical to protect your business.

Yes, Public Liability Insurance is typically included in café insurance. It protects your business if a customer is injured or their belongings are damaged while on your premises.

Yes, we provide tailored policies for mobile coffee units, covering equipment, stock, liability, and transit.

Yes, our Employers’ Liability Insurance covers both permanent and temporary or seasonal staff. This is a legal requirement in the UK for anyone employing workers, even short-term or part-time employees.

Yes, we offer café insurance policies which include Contents and Equipment Cover, which protects coffee machines, grinders, fridges, and other essential kit against fire, theft, accidental damage, or breakdown (with optional cover).

START YOUR QUOTE CALL US
OR CALL 0330 054 0545
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Helpful Articles & Updates

Your go-to resource for insurance tips, guides, and compliance help for cafés and coffee shop owners.