HOW MUCH IS BUSINESS INSURANCE
for Coffee Shops?

Coffee shops and cafes can find insurance to cover lawsuits and property damage costs – but you might be wondering how much coffee shop insurance costs. To help you budget your insurance, we've provided insurance cost estimates for three important types of coverage.

These price estimates are meant for general information purposes only, to give you a ballpark idea of what you might pay. Actual policy costs will vary significantly from one cafe to the next based on your location, how much business you do, and a variety of other factors.

HOW MUCH IS
General Liability Insurance?

General Liability Insurance

Because numerous customers walk in and out of your cafe every day, General Liability Insurance can offer you vital liability protection. This policy covers slip-and-fall accidents as well as other injury lawsuits that could arise after people other than your employees are injured on your property.

Additionally, GL Insurance covers other basic business liabilities, including advertising injuries, slander and libel, and property damage lawsuits.

Rates for General Liability Insurance for typical coffee shops (with no food service) range from $425 to $796.

Median policy premium:

$425 - $796

Median policy limit:

$2 million

Median policy deductible:

None

As you know, coffee shops are all a bit different. Some serve food or roast beans on site. The quotes above are for coffee shops that don't serve food. If your shop has food service, alcohol service, or roasting facilities, you should expect to pay more for GL Insurance.

To see how the cost of General Liability Insurance for coffee shops compares with other industries, visit Insureon's General Liability Insurance Cost Analysis New browser window icon..

Talk to an insureon agent for details or fill out an application for free quotes tailored to your business's needs.

HOW MUCH IS
a Business Owner's Policy?

Business Owner's Policy

cafes can sometimes get a discount on their small business insurance by purchasing a Business Owner's Policy, which bundles General Liability and Property Insurance into one package.

As a cafe owner, you know that quality coffee comes from quality equipment. An espresso machine alone can cost tens of thousands of dollars – a significant investment. If a fire, storm, theft, or vandalism results in property loss, BOP Property Insurance covers the cost to repair or replace your espresso machines, grinders, furniture, inventory, and other property.

BOP insurance for the typical cafe or coffee shop without food service may cost between $602 and $2,091.

Median policy premium:

$602 - $2,091

Median policy limit:

$2 million

Median policy deductible:

$500

Remember that if you rent your space, your landlord's insurance won't cover your property. If someone burglarizes your building, you need your own insurance to cover your losses.

HOW MUCH IS
Workers' Compensation Insurance?

Workers' Compensation Insurance

Say a barista burns her hand while foaming milk for a cappuccino – you could be liable for her medical expenses as well as the wages she loses if the injury prevents her from working. Workers' Compensation Insurance (also called Workman's Comp or Workers' Comp) covers these costs as well as legal expenses when an employee sues you over an injury or illness.

A typical cafe or coffee shop can expect to pay $1,412 to $3,686 in annual Workers' Comp premiums.

Median policy premium:

$1,412 – $3,686

Median policy limit:

$500,000

Median policy deductible:

None

Workers' Comp is usually required by law if your coffee shop has employees. To find out more about your state Workers' Comp regulations, see our state-by-state guide to Workers' Comp laws.

To see how the cost of Workers' Compensation Insurance for coffee shops compares with other industries, visit Insureon's Workers' Compensation Insurance Cost Analysis New browser window icon..

Free Insurance Quotes for Cafes and Coffee Shops

Free Insurance Quotes for Cafes and Coffee Shops

These quotes are only cost estimates for the typical coffee shop without food services. If you'd like free quotes tailored to your business, submit an online insurance application, and one of our insurance agents will quotes to your inbox.

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