Shops & Trades Insurance

Cafe & Coffee Shop Insurance

Specialist protection for independent cafes, coffee shops, and tea rooms. From artisan roasters to high street chains, we arrange comprehensive cover tailored to the unique risks of the hospitality sector.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Cafe Insurance Cover?

Cafe and coffee shop insurance combines several covers to protect your business premises, equipment, and operations. Typical coverage includes:

Buildings Insurance

Protection for your cafe premises against fire, flood, storm, and other insured perils. Essential if you own the freehold or are responsible under your lease.

Contents & Equipment

Cover for coffee machines, grinders, refrigeration, furniture, fixtures, and all business equipment against damage and theft.

Stock Insurance

Protection for your coffee beans, food stock, packaging, and consumables against damage, spoilage, and theft.

Business Interruption

Replacement of lost gross profit if you can't trade due to an insured event, covering rent, wages, and lost income.

Public Liability

Protection if a customer is injured at your premises or becomes ill from food or drink served – typically £2m-£5m cover.

Employers' Liability

Legally required if you have staff – covers claims from baristas and kitchen staff injured at work. Minimum £5m, typically £10m.

Product Liability

Cover for claims arising from food or drink you serve that causes illness or injury to customers.

Equipment Breakdown

Protection for sudden breakdown of espresso machines, refrigeration, and other essential equipment.

Money Cover

Protection for cash on premises, in the till, in transit to the bank, and in a safe overnight.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Hospitality Expertise

Specialist understanding of cafe and coffee shop risks including food safety and equipment breakdown.

Tailored Cover

Policies matched to your specific operation, from grab-and-go to full-service cafes.

Claims Support

Dedicated support to help you through the claims process and minimise business disruption.

Market Access

Access to specialist hospitality insurers offering premiums suited to your risk profile for well-run cafes.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Independent coffee shops and cafes
Tea rooms and patisseries
Artisan roasters with retail premises
Cafe franchisees
Mobile coffee units and kiosks
Cafes within other businesses (gyms, bookshops, etc.)

What We'll Need for Your Quote

1
Cafe address and type of premises
2
Whether you own or lease the premises
3
Buildings rebuild value (if applicable)
4
Contents, equipment, and stock values
5
Annual turnover/gross profit
6
Number of employees
7
Food hygiene rating
8
Claims history for the past 5 years

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Frequently Asked Questions

Does cafe insurance cover food poisoning claims?

Yes, product liability insurance covers claims from customers who become ill from food or drink you serve. This is essential for any food service business. Public liability also covers injuries on your premises.

What if my espresso machine breaks down?

Equipment breakdown cover protects against sudden mechanical or electrical failure of your coffee machines and other equipment. This is separate from standard contents cover which only covers damage from external causes like fire or theft.

Do I need special cover for outdoor seating?

Outdoor furniture and equipment should be included in your contents cover. Public liability extends to your outdoor seating area. If you use pavement space, check your local authority licence requirements.

Is my stock covered if the fridge fails?

Stock deterioration cover protects against loss of perishable stock due to refrigeration breakdown. This is typically an optional extra but highly recommended for cafes with significant food stock.

What security do insurers require for cafes?

Requirements vary but typically include minimum lock standards and may require an intruder alarm for higher-risk locations. Coffee machines and equipment may need to be secured or alarmed separately.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.