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Business Insurance For
Coffee Shops
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Coffee Shop Business Insurance

Owning a coffee shop is much like owning a restaurant with a few key differences. If you offer coffee and snacks then you may not need as many employees, and you can adjust your operating hours to fit your clientele. Coffee shops are popular gathering places for customers and you’ve worked hard to make yours a successful hang out spot. Make sure all of your hard work doesn’t go to waste by protecting yourself with commercial insurance coverage.

General Liability

General liability is particularly important for coffee shop businesses like yours, because you have a lot of people coming and going throughout your operating hours. If a customer were to receive an injury while at your shop, he could sue your company for the damages. General liability protects you from potential liability created by bodily injury to customers and customer property damages as well. It also provides you with product and advertising liability. If, for example, claims are made against you in the future for a picture you included in a magazine advertisement, general liability would cover the damages.

Business Owners Policy (bop)

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A business owners policy includes general liability and allows you to custom tailor business insurance coverage to your specific needs.


If you use vehicles for any business specific reason, you need to protect them with business auto insurance. Whether you have company cars or you use your own for business purposes, if there is ever an auto accident then business auto insurance can cover damages as well as related medical expenses.


The people who work in your coffee shop must be protected with workers comp insurance. This coverage is specifically designed to take care of them if they’re ever injured on the job.

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Insurance Products

General Liability (CGL) Workers Compensation Professional Liability Business Owners Policy Commercial Auto Insurance Employment Practices Liability Directors & Officers (D&O) Excess Liability Surety Bonds

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