Coffee Shop Insurance

small business owner protected by Coffee Shop Insurance

Serve Customers Confidently With Coffee Shop Insurance

Whether you’re crafting a perfect latte or cleaning the machines, running a coffee shop takes hard work and long hours. We understand the risks you face and have comprehensive coverage protection to help reduce those risks.
 
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small business owner protected by Coffee Shop Insurance
small business owner protected by Coffee insurance

What Is Coffee Shop Insurance?

Coffee shop insurance is another name for small business insurance. It’s a package made up of different types of business insurance coverages designed to help protect owners of coffee shops and cafes from the unique risks they face, like brewing hot coffee and tea or selling baked goods that aren’t cooked on their premises.
small business owner giving testimonial on having catering insurance from The Hartford

Hear From Our Customers

“When I started on my own, I spoke to several agents, many of them specializing in food businesses. One of them recommended The Hartford for all of our needs. It turned out to be a great fit for everything we had to cover. We have our catering liquor license, we have catering, we have the store, and we have payroll, and we found that everything could be combined through our work with The Hartford.”
– Ani Robaina, Owner and Chef of Ani’s Table and Marketplace

What Does Coffee Shop Insurance Cover?

Business insurance for coffee shops can help protect your coffee shop from risks that could come up during your day-to-day operations, including:
 
  • Customer slip and fall injuries
  • Equipment damage or breakdown
  • Employee theft
  • Fire damage
  • Wind damage
  • Employee or customer lawsuits
 

What Type of Insurance Does a Coffee Shop Need?

We take the time to understand your company’s unique needs so we can offer the business insurance coverages that can help keep your coffee shop business running. While we offer several types of insurance for cafe businesses, many business owners start with a Business Owner’s Policy (BOP) because it combines three essential types of insurance into one policy, including:
Commercial property insurance, also known as business property insurance, helps protect your owned or rented building, tools and the equipment you use to operate your business. This coverage helps repair or replace your business property if a covered event occurs, such as:
 
  • Fire
  • Theft
  • Wind
  • Lightning
General liability insurance helps protect small businesses from claims that they caused bodily injury or property damage to others. It also helps cover liability lawsuits claiming your business caused a competitor’s advertising injury or reputational harm.
Business interruption insurance, also known as business income insurance, can help replace your lost income if your business is unable to operate due to covered property damage. This coverage also helps pay for operating expenses, like your payroll and monthly bills, until your business can reopen.
 
 
A BOP doesn’t cover every kind of claim you could face. You’ll likely need other types of coverage to fully safeguard your business. Other coverage options for coffee shops include:
Equipment breakdown coverage helps cover damages to your business’ property and equipment if there’s an unexpected breakdown. This coverage is included in a standalone commercial property insurance policy or through a Business Owner’s Policy (BOP). Equipment breakdown coverage can help protect your business’:
 
  • Mechanical systems
  • Computer systems
  • Appliances
  • Electrical systems
Workers’ compensation insurance gives your employees medical, wage and other financial benefits if they are hurt at work. This coverage helps pay for employees’ medical bills and lost wages if they need to take time off from work due to a work-related injury or illness. It can also help cover your legal costs if an employee sues your business after an injury or illness on the job. Workers’ comp laws vary by state, but most state laws require you to have this coverage if you have any employees.
 

How Much Is Insurance for a Coffee Shop?

On average, a BOP for our coffee shop business customers is $220 a month, or $2,636 annually, and workers’ compensation insurance is about $112 a month, or $1,347 annually.** Keep in mind that what you pay for business insurance will often vary. There are several different factors that could influence your coffee shop business insurance cost, like:
 
  • Location
  • Size of operations
  • Number of employees
  • Coverage needs

Covering Your Operations

The right business insurance coverages will help financially protect you from unexpected incidents. Coffee shop insurance helps cover customer injury lawsuits and claims that could negatively impact your business.
The average payout on slip-and-fall lawsuits is $10,000 to $50,000.1
coffee shop protected by general liability coverage

General Liability Insurance

“A customer burned their mouth on a cup of coffee they bought from our coffee shop. They ended up needing medical treatment and sued our business.”
 
General liability coverage, which is included in a Business Owner’s Policy (BOP), helps cover liability claims filed by others if your company caused them bodily injury or property damage.
coffee shop owner protected by Data Breach insurance

Data Breach Insurance

“Our coffee shop collects and stores customer data in a database. Unfortunately, we were notified of a data breach and discovered customer information was exposed.”
 
Data breach insurance can help pay the cost to notify impacted customers of a cyber incident. It can also help pay for a public relations firm to handle media needs.

Protecting Your Property

You rely on your equipment to stay successful and keep your coffee shop running. That’s why we created insurance coverages made for small businesses, helping protect the property you rely on to serve your customers.
A single refrigeration failure can cost coffee shops $2,000 or more in lost inventory.2
coffee shop protected by commercial property insurance

Commercial Property Insurance

“One of our coffee machines malfunctioned and sparked, starting a fire that ended up causing damage to the wall, ceiling and equipment surrounding it.”
 
Commercial property insurance can help protect your owned or rented building, plus the equipment and tools used to operate your business if they’re damaged in a fire. 
coffee shop protected by Commercial auto insurance

Commercial Auto Insurance

“While delivering an online order, my company van hit a patch of ice, causing me to crash into another car.”
 
Commercial auto insurance can help cover the costs of an auto accident while you or an employee uses a company-owned car for business reasons.

Covering Your Team

Your team is a key part of your day-to-day operations. Keep them protected with coffee shop insurance made to protect small businesses like yours. Getting insurance coverages made to cover employee issues can help your coffee shop business continue to run smoothly and help keep it successful overtime.
In 2023, there were 2.6 million nonfatal workplace injuries or illnesses reported by private employers in the United States.3
coffee shop protected by workers' compensations insurance

Workers’ Compensation Insurance

“My employee slipped and fell on some spilled coffee that she didn’t see. Her doctor diagnosed a sprained wrist and time off so it could heal.”
 
Workers’ compensation insurance can help cover work-related injuries and illnesses. It can also help protect your business if an employee sues you over an injury or illness that occurred on the job.
coffee shop protected by Employment practices liability insurance

Employment Practices Liability Insurance

“I had to let go of an employee who was always showing up late to work. She ended up suing my business claiming she was wrongfully terminated.”
 
Employment practices liability insurance is included in a Business Owner’s Policy (BOP) with The Hartford. It can help protect your business against employment-related lawsuits like wrongful termination, discrimination or harassment.

Frequently Asked Questions About Coffee Shop

Coffee shop insurance is essential because it helps protect business owners from risks like property damage, customer injuries, equipment breakdown and lawsuits. Without it, you’d have to pay out of pocket to cover these claims.
The average costs for the three most common types of business insurance for cafes or coffee shops are:**
 
  • Business Owner’s Policy (BOP): $220 a month, or $2,636 annually
  • Stand-alone general liability insurance: $107 a month, or $1,284 annually
  • Workers’ compensation insurance: $112 a month, or $1,347 annually
Keep in mind that insurance costs will vary, because insurers look at many different factors when determining premiums. The best way to find out your business insurance cost is to get a free quote.
Cafe business insurance can help cover financial risks, including:
 
  • Customer injuries
  • Employee theft
  • Employee or customer lawsuits 
  • Fire damage
  • Wind damage
  • Lightning damage
small business owner shopping online for Insurance for coffee shop

Coffee Shop Insurance Made for Your Business

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Last Updated: September 9, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
1 CASEpeer, “Personal Injury Settlement Amount Examples: 2025 Payouts Guide.”
 
2 Workpulse, “Keep the Coffee Brewing & Coolers Running: Tackling Critical Equipment Failures in Your Dunkin’ Franchise.”
 
3 United States Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2023.”
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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