Insurance For Coffee Shops And Cafes

What Kind of Insurance do I need for My Coffee Shops And Cafes Business?

Most Coffee Shops And Cafes Businesses have a Business Owner's Policy called a BOP. A BOP is a great becasue it combines three general insurance coverages and saves you money.

We recommend these products as a base:

• Business Owners Policy: A business owner’s policy bundles three important types of business insurance — general liability insurance, commercial property insurance and business interruption insurance — into one policy.
• General Liability Insurance: Your small business can be protected against unexpected expenses in different scenarios, such as workplace injuries or client lawsuits, through business liability coverage.
• Workers Comp Insurance: If any of your employees suffer from a workplace injury or illness, workers' compensation coverage ensures the protection of both your business and your employees by offering employee rehabilitation and death benefits.

How Much Does Coffee Shops And Cafes Insurance Cost?

• The size of your Coffee Shops And Cafes business
• How many employees work for you
• If you keep customers information stored in a data system
• If you have trucks or vehicles or tow equipment

Your Coffee Shops And Cafes Business may also need other types of business insurance, like:

• Commercial Auto Insurance: Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehic
• Commercial Umbrella Insurance: Commercial umbrella insurance coverage is designed to protect an organization against monumental liability claims that can demolish a business through a large financial judgment.
• Cyber Insurance: Cyber insurance offers coverage for your business's liability, in the event of a data breach that compromises sensitive customer information, such as Social Security numbers, credit card numbers, account numbers, driver's license numbers, and health recor
• Liquor Liability insurance: Liquor liability insurance safeguards businesses engaged in the sale, service, or distribution of alcohol by providing coverage for claims of bodily injury or property damage caused by an intoxicated customer after being served alcohol by the company.

Similar professions and Coffee Shops And Cafes business insurance?

• Bakeries
• Banquet halls
• Bars
• Cake and cookie bakers
• Caterers
• Coffee shops and cafes
• Delis
• Fast food restaurants
• Food trucks
• Food vendors
• Ice cream shops
• Juice bars
• Night clubs
• Restaurants