Insurance for Coffee Shops
Coverage that keeps your business brewing.
Get comprehensive coffee shop insurance that covers your equipment, protects against burns and spills, and keeps your cafe running.
Licensed agents who understand coffee shops deliver fast quotes and expert support for cafes of all sizes.
Talk to a business insurance specialist
Licensed agents who understand your industry and get you competitive quotes fast.
Why Coffee Shop Insurance Matters
Protect your cafe from the daily risks of serving coffee
Coffee shops face constant liability exposure—hot beverages create burn risks, spilled drinks cause slip-and-falls, and your espresso machines represent a significant equipment investment. Customer traffic means regular exposure to premises liability claims.
Most coffee shops need General Liability (for burns, spills, and customer injuries), Commercial Property (to protect espresso machines and equipment), and Workers' Compensation for baristas. A Business Owners Policy often bundles these coverages at a lower cost.
Whether you run a neighborhood cafe, specialty roaster, or drive-through coffee stand, the right insurance protects you from claims that could shut your doors. Equipment breakdown coverage is especially important for expensive espresso equipment.
Coverage Checklist
Recommended coverage for your business
The policies you need to protect your business and meet client requirements
General Liability
RequiredCovers burns, slips, and customer injuries in your cafe.
Workers' Compensation
RequiredRequired for baristas and staff. Covers burns and workplace injuries.
Business Owners Policy
Bundled coverage for equipment, property, liability, and business interruption.
Industry Risks
Common risks you need to protect against
Real risks coffee shops face
See how the right insurance protects your cafe when things go wrong
Risk
A customer spills hot coffee on themselves and suffers burns requiring medical treatment.
General Liability
Pays for medical expenses, legal defense, and potential settlement.
Risk
A customer spills hot coffee on themselves and suffers burns requiring medical treatment.
General Liability
Pays for medical expenses, legal defense, and potential settlement.
Risk
Your espresso machine breaks down during morning rush, forcing you to close for the day.
Equipment Breakdown + Business Interruption
Covers repair costs and lost income while equipment is being fixed.
Risk
Your espresso machine breaks down during morning rush, forcing you to close for the day.
Equipment Breakdown + Business Interruption
Covers repair costs and lost income while equipment is being fixed.
Risk
A customer slips on a wet floor near the condiment station and injures their back.
General Liability
Covers medical bills and legal defense—potentially $20,000-$50,000 in claims.
Risk
A customer slips on a wet floor near the condiment station and injures their back.
General Liability
Covers medical bills and legal defense—potentially $20,000-$50,000 in claims.
Why Choose Us
Why coffee shops choose 1-800-INSURANCE
- Coverage designed for cafes and coffee shops
- Equipment breakdown for espresso machines
- Affordable Business Owners Policies
- Help meeting landlord requirements
- Fast certificates of insurance
- Coverage for food items if you serve pastries
Commercial insurance experts
Essential coverage for coffee shops
Compare quotes and get the specific policies your cafe needs
Ready to protect your business?
Get quotes from top carriers, instant COIs, and coverage that keeps you working.
Common questions
Coffee Shop Insurance FAQs
What insurance does a coffee shop need?
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Most coffee shops need General Liability, Commercial Property, and Workers' Compensation. A Business Owners Policy often bundles these coverages at a lower cost than purchasing separately.
Does coffee shop insurance cover burns?
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Yes. General Liability covers customer injuries including burns from hot beverages. This is one of the most common claims coffee shops face.
Is my espresso machine covered if it breaks?
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Commercial Property covers damage from covered events, but Equipment Breakdown coverage specifically protects against mechanical and electrical failures—critical for expensive espresso equipment.
Protect Your Business Today
Our commercial insurance specialists understand your industry and can help you find the right coverage at the best price.