Coffee shop insurance

Coffee shop insurance

Everyone needs a cup of tea or coffee to get them going in the morning, and thanks to our increasing love affair with cappuccinos, mochas, flat whites and espressos, running a coffee shop is a great business to get into right now. If you want to make sure you’re providing the very best for your customers, you need to make sure that your business plan is in order – and that includes getting the right type of coffee shop insurance at the right price. Park Insurance, a local broker with over 30 years of experience providing great cover at great prices, can help.


We know your business

At Park Insurance, we have over three decades of experience delivering premium quality insurance packages at affordable prices. And because we’re passionate about food and drink, we have an intimate understanding of the catering and hospitality industry and the unique challenges small businesses in this sector face every day. By combining this with our status as one of Bristol’s leading insurance businesses and utilising our preferred broker status with some of the UK’s largest insurance providers, we can source specialist coffee shop business insurance cover that’s precisely tailored to fit your needs.

Coffee shops need to consider not just standard insurance requirements such as employer’s liability, public liability and buildings and contents insurance, but other types of financial protection too. With slim profit margins and high overheads, all of that has to be at the right cost to enhance your business’s value rather than eat into your bottom-line figures.


Coffee shop insurance - Shows a quaint cafe interior


What coffee shop insurance do you need?

Employer’s Liability Insurance – this is the only type of insurance for businesses that is mandatory. If you employ anyone, even if it’s only on a part-time basis, you must have employer’s liability insurance.

Buildings and content insurance – remember that standard B&C insurance won’t cover a business, so you will need to look for specialist cover that also takes into consideration the unique requirements of a catering business.

Public liability insurance – although not a legal requirement, at Park Insurance we strongly recommend that you take out the best PLI you can afford. This gives you financial peace of mind should a customer be injured or fall ill as a direct result of a visit to your shop, even if it’s a scald or burn from a hot cup of takeaway coffee.


Other types of cover to consider include:

Stock cover – specifically designed to protect you financially against losses as a result of damage to perishable stock, for example, if a refrigeration unit fails.
Key Personnel Insurance – if you suddenly and unexpectedly lose a key member of staff, this cover will provide financial protection until you can replace them.
Business interruption coffee shop insurance – keeps the finances stable if your business has to stop trading due to circumstances beyond your control such as flooding, fire or a natural disaster.
Legal protection – an essential that is often overlooked, legal protection gives you financial cover should you need the services of the legal profession, for example, during an injury compensation claim.


Cafe insurance - Shows a barista pouring milk into coffee


The last few years have really shown business owners how unpredictable life can be, highlighting the need to fully protect their financial interests. Whether you’re a small independent coffee shop or a large chain, unexpected events can impact your business and compromise your livelihood. An excellent insurance policy can offer the peace of mind you need to push forward with your business after an unpredictable few years.


Frequently asked coffee shop insurance questions

What is coffee shop insurance?

Coffee shop business insurance is a specialist policy that takes into account the unique needs of this type of business. It reflects the issues that are most likely to impact your coffee shop and serves to protect a kind of business that can very quickly become vulnerable.

Your business is all about people, but if one of those people becomes hurt or sick because of your business, you will be financially liable. If one of your coffee machines, refrigerators or ovens breakdown unexpectedly, your takings can plummet. Insurance cover cannot stop these unfortunate scenarios, but it enables you to resolve the issues swiftly and could offer financial support if you suffer significant losses.


Can coffee shop business insurance cover food?

If you include public and product liability within your coffee shop insurance, you’ll be covered for serving food. Product liability (which usually forms part of your wider public liability) will protect you from claims made against food or products (including takeaway food packaging) that you’ve made or served to your customers.

If a customer falls ill with food poisoning or has an allergic reaction due to a mix-up with one of your ingredients, product liability comes into play.


What type of businesses does coffee shop insurance cover?

If hot beverages are the main selling point of your business, whether you serve food or not, coffee shop insurance can help protect your business. Whether you’re a traditional British tearoom or a coffee shop with a tempting chiller cabinet of gelato, you’re more than welcome to ask for a coffee shop business insurance quote from Park Insurance.


How much will my coffee shop insurance cost?

The cost of your premium will depend upon factors such as:

  • What level of public and product liability you take out
  • How many premises you’d like to cover (if you’re a coffee shop chain)
  • Whether you serve food
  • Whether you have delivery drivers
  • The level of contents and stock you’d like to cover
  • The type of additional cover you’d like to take out (for example, to cover your key personnel or any technology that is crucial to your enterprise)
  • How much of an excess you’re willing to pay


As the owner, you know never to leave things to chance when it comes to your business. We take pride in working alongside the food industry, ensuring our clients don’t have to worry about the unexpected undoing all their hard work. With decades of hands-on experience, we’ve seen and adeptly dealt with all the worst-case scenarios – so we can pre-empt and protect. Give one of our friendly, competent insurance experts a call today. They’d love to hear about your coffee shop and will carefully guide you through the best options for your business.


Contact Park Insurance today for a free coffee shop insurance quote

To find out more about specialist coffee shop insurance packages and to discover how Park Insurance can help you find the right deal at the right price, contact us today. Use our online Contact form, or call us direct and speak to one of our friendly, experienced advisers for impartial advice and a free, no-obligation quote.

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