Cafe Shop Insurance

How To Find the Right Insurance for Your Cafe

(Getting the right coverage to keep your little bistro in business.)

How to insure a cafe

Owning and operating a successful cafe requires smart planning for life's accidents, storms, and mishaps. The right insurance can help you concentrate on making your small business a success. But where do you start? With an independent insurance agent, that's where.

An independent insurance agent can help you find the right insurance for your cafe and tailor it entirely to your needs. No matter what your cafe specializes in, an independent insurance agent will help you shop multiple carriers to help find the right insurance so you'll know your business and livelihood are protected. But first, here's a bit more background on the insurance needs of your cafe.

What Kind of Insurance Is Right for a Cafe? 

A business owner's policy (BOP) is the quick solution to basic insurance for a cafe. Many small business owners start with a BOP and customize it with additions that fit their needs. You'll get general liability and property coverage with this type of insurance package. 

Liability insurance is essential for small businesses. It covers claims, legal fees, penalties, and lawsuits that result from visitors who are hurt on your property or accidents that occur at your cafe. 

With property insurance, you may also be able to get coverage for your inventory, building, equipment, and fixtures. If your espresso maker breaks down, it could cost thousands to repair. This type of financial hurdle can be difficult for small business owners. Talk with your agent about specific scenarios like this, and find out how property insurance may help you overcome setbacks. 

Lienholder and landlord insurance requirements

If you rent or have a mortgage on your cafe's building, you may have to follow insurance guidelines from your landlord or bank. It's simple to make sure that your BOP or stand-alone property insurance adheres to their request. 

What Other Types of Insurance Does a Cafe Need?

While you have a lot of choices to make, it's important to focus on protecting your business from the most common problems. Consider your specific business and tailor your insurance to meet your potential needs. Your agent may offer you these options:

Commercial vehicle insurance

If you deliver your products or have a vehicle that you use for business purposes, it's crucial to have commercial vehicle insurance. Your personal auto insurance policy may not cover claims if you have an accident while driving in the course of business. 

Workers' compensation insurance

In most states, there are laws about the type and amount of workers' compensation insurance that small businesses must provide. If you have employees, you must adhere to your state's guidelines. 

Workers' compensation protects your workers from financial harm if they are injured on the job. It may pay their medical bills and cover loss of income for the time they are unable to work. The policy also offers long-term and short-term disability benefits. 

Franchise requirements

If your cafe is part of a franchise, check your contract for language about insurance requirements. The franchiser may want to be listed as an additional insured party on your policy. Your agent can help you meet your franchiser's requirements and submit the proper paperwork to prove that your cafe is in compliance. 

Cyber liability insurance

Most businesses accept debit and credit cards. Customers prefer this streamlined method of payment. 


In a fast-food-like setting, 44% of customers prefer to use a debit card and 18% of customers prefer to use a credit card. 

While using credit and debit cards can be more convenient than handling cash, electronic payment processing systems and their software are vulnerable to cyberattacks. If your customers' sensitive personal information is part of a security breach, it could be a huge financial setback for your cafe. 

One of the biggest data breach exposures for cafe owners is their employee information. Small businesses have contact information, Social Security numbers, and even bank account information for direct paycheck deposits. Cyber liability insurance could pay for costs associated with a security breach, including helping your customers and employees recover financially. 


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Benefits of Independent Insurance Agents

Business insurance policies can be complex, and searching through options is time-consuming and sometimes frustrating. In fact, insurance ranks fourth among small business owners' biggest concerns.

An independent insurance agent's role is to simplify the process. Choosing an independent insurance agent means you'll get the right types and amounts of insurance for your cafe. Your business can enjoy protection from the financial ramifications of accidents and claims.

Not only that, your agent will help break down all the jargon and explain the nitty-gritty, so you understand exactly what you're getting.

And when it comes time to file a claim, you’re not alone. Your agent will be right there to help guide you through every step and get your cafe back on track. How great is that?

Find your local independent insurance agent here.

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