There are a broad panel of insurers all interested in your business and who will try to accommodate all your needs. By asking for a quote, you will not only get great value quotations from a range of insurers and brokers, but also benefit from their vast knowledge of insuring coffee shops.
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When you are looking to insure your coffee shop you will be presented with a multitude of choices. Whilst most standard policies will cover you for your own and your employees' protection and for your equipment and stock, it is also very much worth considering full insurance against malicious fires, broken glass and flooding amongst other risks.
Here are some of the policies which are fairly essential for those with coffee shops.
Commercial Property Insurance - provides protection against fire damage, smoke and water for your businesses inventory and buildings. Do check what your business is covered against when you purchase your insurance so you are assured it covers everything you need it to.
Public Liability Insurance - as a coffee shop, you will have customers on your premises, and particularly in this kind of area, it may be easy for someone to slip if a drink is spilt. It is therefore important to have public liability insurance to protect yourself, as the owner, against any injury that a member of the public may face and subsequently the lawsuit which may follow.
Product Liability Insurance - for a coffee shop this is an insurance that could prove to be useful. It protects the owner from any claims from someone who has purchased a product from you. As you will be serving food and drink, any illness that could come from what you sell will be covered, helping you to avoid high payouts.
Theft Protection - the nature of coffee shops mean distraction theft can be a potential risk, where your till is rifled whilst you are serving customers. On top of this, it's sensible to have this cover should any larger, more expensive piece of equipment be stolen.
A few minutes thought before committing yourself to a coffee shop insurance policy can significantly reduce your stress levels at a later date should an incident occur, and you be left unsure as to whether you are fully insured or not.
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This content was last reviewed on 11/10/2021