What is coffee shop insurance?
Get dedicated insurance cover for your coffee house
From espressos to mocha lattes, as a coffee shop you’ll offer a broad range of hot and perhaps cold drinks to your customer base. Many coffee houses also serve some type of food, from your light snacks; croissants and sandwiches to freshly prepared cooked meals. Our coffee shop insurance has been tailor made to focus on the covers needed by coffee shops. Whether you own a single coffee shop or a chain of multiple coffee houses we can provide the protection your business needs.
Having a business that is open to the public will present many types of risks, so having a tailored and comprehensive business insurance policy for your coffee shop or tea-room is financially important.
At The Insurance Octopus, our comprehensive competitive business insurance policies are designed to allow you to add, remove, increase or decrease all areas of the policy. You will be able to tailor your cheap coffee shop insurance or tea-room insurance to the way you want it, ensuring you have all of the essential cover you need in one business insurance policy.
What your coffee shop insurance policy includes
Coffee shop Public Liability insurance
Public Liability insurance with various levels of cover available from £1m, £2m, and £5m. Public Liability insurance for cafes, coffee shops and café bars protects you if a member of the public gets hurt or injured whilst on your premises.
Product liability insurance for coffee shops
This sits alongside our public liability cover and provides additional protection for businesses who sell goods. If the goods you sell, coffee or food for example result in a customer being harmed then product liability cover can be there to cover the cost of defending a claim and compensating an injured party.
Employers Liability insurance
Employer’s liability insurance is a legal obligation if you employ permanent or temporary members of staff. As an employer it is a legal responsibility to ensure that you have provided safe and secure surroundings for your employees. Cover is available at a standard level of £10m.
Coffee shop Contents and Stock insurance
Contents and Stock cover can protect your stock, customer goods, staff and customers’ personal effects, fixtures and fittings, computer and electronic business equipment.
Business Interruption, Cash on Premises, and Goods in Transit cover
Business Interruption, Cash on Premises, and Goods in Transit are further add-ons that can be increased or decreased as required making sure your insurance is just what you need.
Why you need coffee shop insurance
As a retail shop owner, you are at risk from many eventualities, from malicious damage or theft of monies by an employee. All of these risks factors need to be considered when looking for a comprehensive shop insurance policy. Running a business can be highly profitable so you need to be able to protect your business and yourself from financial loss.
Additionally Retail insurance can also protect you against compensation claims and legal expenses. Even if you win a case, legal fees can be considerable so it is important for your financial success that you are covered by public & employers liability insurance.
Choosing the right insurance package that suits your business is important, which is why The Insurance Octopus will help you to put together a tailored coffee shop insurance policy with ease.
Brewing you the perfect policy
Your coffee shop policy can be arranged that same day with your documents delivered to you electronically (subject to time of day restrictions). To help with the costs of cover we can also look to spread your insurance payments out by offering the option to pay via direct debit.
Experts in our field
We’re coffee shop insurance experts, so you can rest assured the options we discuss with you are of the highest quality for your business. One of our business insurance experts will discuss your business requirements with you and look to compare a range of quotes from our panel of insurers.
Why choose us to insure your coffee shop?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for shops. With more avialble upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
An expert who knows your industry
We'll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
Coffee Shop Insurance FAQ's
Get the answers you're looking for
How does business interruption cover work for coffee shops?
Business interruption insurance covers you for lost profits in the event that your business cannot operate as a result of a claim such as a flood. Imagine your coffee shop had to close temporarily, for example because the building next door caught on fire also causing damage to your premises. How much profit would you lose? How long would it take you to get back up and running again? We ask you to consider how much profit you would lose and how long it would take to get to the level of trading you were at immediately before the claim when selecting your level.
How can I protect the money at the coffee shop?
Coffee shops and any other types of business which deal with significant amounts of cash every day should consider insuring this cash with money cover. Think of how much cash you have in the till every day, in the safe or on your person if you’re transporting it to the bank. If it were to go missing, be stolen or destroyed it could be a significant loss for your business. We can insure cash on premises, in transit or even at a third party location such as the bank’s night safe. Call our team today and we will help you select the right level of cover for your business.
What are the benefits of coffee shop insurance?
Coffee shop or tea-room insurance is designed to protect you from all the risks facing your business and yourself from any financial loss such as theft or damage. Insurance can also protect against compensation claims and legal expenses. Choosing the right insurance package that suits your business is important, which is why our team help you to put together a tailored coffee shop insurance policy that suits your business.
How it works
Examples of Coffee Shop in action
Counting the beans
Following a middle of the night break-in, the owner discovers the thieves haven’t just made off with the cash in the till – they’ve also robbed 50 large bags of rare roasted coffee beans, which have a value of over £5,000. The owner of the store had cleverly chosen to take out comprehensive insurance on his coffee shop, including contents and stock cover. This mean his beans will be replaced with the shop only needing to pay a small excess, and his coffee can continue to be as good as ever.