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Café Insurance

Café insurance or coffee shop insurance is specialised insurance for owners and/or those operating a café or coffee shop to protect them against financial losses. If your business relies on customers visiting your commercial premises, then café insurance is vital for you.

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Comprehensive Café Insurance For Businesses

As a café owner, you’ll be fully aware that without customers, staff, stock and perhaps suppliers; your business cannot operate. However, being in direct contact with the public comes with its own set of risks. Without the correct café business insurance, unexpected events could leave you significantly out of pocket and even leave your business unable to trade for long periods.

You will need to consider risks such as a customer having an accident on your premises, becoming ill as a result of consuming your products, your stock being damaged by fire or flood, and employees being injured whilst working for you.

It is crucial to seek independent advice to make sure you get the correct café business insurance to suit the way your café operates.

Alexander Swan will work together with you so that we can build a tailored, all-encompassing café insurance policy to perfectly match the size of your business and the risks it is exposed to.

Unlike dealing directly with an insurance company, Alexander Swan has access to multiple insurers and their diverse policies. This broad reach allows us to present you with a range of options, increasing the likelihood of finding the most competitive rates and comprehensive coverage. We are with you every step of the way, from helping you choose the right insurance through to fully assisting you should you ever need to make a claim.


What’s Included In Café Insurance?

If you run a café or coffee shop, important considerations when sourcing café business insurance include the following:

  • Employers’ Liability: If you employ staff, employer’s liability is a legal requirement to protect against injuries caused to an employee whilst working.
  • Public and Products Liability: This is essential to protect you against potential claims from the public in case they are injured, get sick or their property is damaged in connection with your business – whether that be a customer, supplier or a passer-by.
  • Buildings Insurance: Whether you own or rent the premises your business operates from, it’s important to protect against damage to the building.
  • Business Interruption: This covers lost income and/or the cost of relocating your business (either temporarily or permanently, depending on the circumstances) if your business is unable to operate due to unexpected events.
  • Equipment Engineering: This covers the cost of inspecting/repairing equipment such as coffee machines, ovens, fridges and any machinery that your café relies on to operate.

In addition, further cover is available for:

  • Theft or damage to contents, equipment, electronics and stock
  • Tenant improvements
  • Legal expenses cover to protect you against any costs of legal disputes

Do I Need Café Insurance?

If your business relies on customers visiting your commercial premises, then you will definitely need café business insurance. The type of café insurance you’ll require will depend on what you sell, where your stock is stored and whether you employ any staff.

If you have employees, you are legally obliged to have insurance to cover you in case an employee suffers an injury or work-related illness. If you have customers and/or suppliers, then you will need to make sure you are covered in case a member of the public is injured, gets sick or their property is damaged in connection with your business. If you stock goods, it is wise to insure it against damage caused by fire, theft and flooding.

Without café insurance, any of these unexpected events could cause you financial loss or even the inability to trade.

At Alexander Swan, we offer a range of specialised insurance policies for a range of public-facing leisure and licensed venues, including restaurantspubs, bars and shops.


Café Insurance FAQs

The cost of insurance for a small café will be entirely dependent on a number of factors, such as the size, location, the product(s) being sold, the volume and value of any stock and the number of employees you have. The best way to find out the cost of a café insurance policy is to come directly to a broker like Alexander Swan.

Whilst public liability insurance is not a legal requirement, it is absolutely necessary to protect you against many risks you face when dealing directly with the public. If you employ staff, you are legally obliged to have employer’s liability insurance.

Insuring your shop against theft isn’t a legal requirement, but including cover for theft in your café business insurance package is a wise choice to protect your business should the worst happen.

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