Common coverage for coffee shop owners:

Occurrence Limit:

Maximum amount that an insurance company is obligated to pay all injured parties seeking resource as the result of the occurrence of an event covered under a Liability Insurance policy.

Business Property

Business Property insurance covers losses if a fire, hail or another event damages your building and equipment, which could force you to close your cafe’s doors. It covers your coffee shop location and inside contents including fixtures, furniture and valuable restaurant equipment.

Business Liability

Choose Business Liability insurance for accidents, mistakes or injuries that may occur at your beverage place. This may include a customer’s claim of a broken tooth or illness because the food served at your coffee shop was tainted.

Business Crime

Unfortunately, employee theft, robbery and forgery are obstacles you may encounter as a coffee shop owner. Business Crime insurance covers you for losses both within and outside your coffee shop.

Workers’ Compensation
Accidents involving your employees may happen even in the safest, most code-compliant kitchens and dining rooms. We offer Workers’ Compensation insurance for your coffee shop so you are prepared when those accidents and illnesses occur.

Hired and Non-Owned Automobile Liability Insurance:

Hired Auto coverage provides your business with liability insurance for vehicles that you rent, on a short-term basis, for business purposes. It replaces or augments the liability coverage offered by auto rental agencies. Non-Owned Auto coverage protects your company in the event that your company is sued as a result of an auto accident that you or one of your employees has in a personal vehicle while on company business

Liquor liability insurance:

Protects your business against loss or damages claimed as a result of a patron of your business becoming intoxicated and injuring themselves or others. If your business manufactures, sells, serves, or facilitates the uses or purchase of alcohol, then your business may need this coverage.

Optional Coverages (may not be available in all states):

• Business Income Extension for Off-Premises Utility Services
• Business Income From Dependent Properties
• Product Recall and Replacement
• Super Stretch for Food Processors
• Temperature Change
• Transit Coverage