Commercial insurance for coffee shops and cafes.
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The cost of insurance for your coffee shop depends on factors such as the value of your equipment, estimates sourced from Insureon customers, and the unique risks your cafe faces. You can choose the policies that are appropriate for the cost of insuring your coffee shop.
Liquor liability costs for coffee shops
Insureon does not have sufficient data on how much coffee shops and cafes that sell alcohol should pay for liquor liability insurance, but it is important for these establishments to have adequate insurance coverage. The median cost of liquor liability insurance for restaurants is approximately $545 annually or $45 per month.
In certain jurisdictions, a café or coffee shop might need to obtain liquor liability insurance to protect businesses from liability for actions of intoxicated customers that they serve alcohol to.
Average annual cost: $545.
Coverage maximum: $1 million.
Learn how to save money on your insurance policy by analyzing the page costs, liability coverage, and liquor liability limits offered by Insureon’s, and choosing the most suitable ones.
General liability costs for coffee shops
The coffee shops and cafes pay a median monthly premium of about $35 or an annual premium of $405 to protect against general liability insurance for customer injuries, customer property damage, and advertising injuries.
Insureon’s licensed agents often suggest buying a business owner’s policy, which combines general liability insurance with commercial property insurance, at a reduced cost. This policy, known as a BOP, safeguards your business property and covers various common risks associated with your business.
Average annual cost: $405.
Policy cap: $1 million per incident.
Deductible policy: $500.
Learn how to save money on your insurance policy by analyzing the page cost, liability, and general coverage limits offered by Insureon and choosing the ones that best suit your needs.
Business owner’s policy costs for coffee shops
A coffee shop or cafe owner usually pays $75 per month for a median annual premium of $900 or a business owner’s policy (BOP). The average amount offers a more accurate depiction of typical insurance costs for coffee shops, excluding extreme high and low values and disregarding the median value.
A business policy may include insurance coverage for an unexpected closure of your coffee shop, which covers lost income due to the closure. This policy may also include insurance for the value of your business equipment and property, as well as the location of your company’s operations. The pricing for this policy is usually determined by your business owner, and it often includes a discounted rate for bundling general liability insurance with property insurance.
Average annual cost: $900.
Policy cap: $1 million per incident.
Deductible policy: $500.
Learn how to save money on your policy by analyzing the page cost policy of the business owner Insureon’s and selecting coverage limits that are more appropriate for you.
Workers’ compensation costs for coffee shops
The cost of a policy significantly varies depending on the state and operations of your business. The median cost of workers’ compensation insurance for cafes and coffee shops is approximately $1,020 annually or $85 per month.
Most coffee shop employers include liability insurance policies which protect against workplace injuries and lawsuits related to those injuries. This insurance helps compensate employees who are injured on the job by covering lost wages and medical fees.
Explore the procedure of determining workers’ compensation insurance premiums and acquire further perspectives on Insureon’s dedicated webpage that analyzes the expenses associated with workers’ compensation insurance.
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If you decide to purchase a policy, you’ll work with a manager who specializes in business risks at cafes and coffee shops. Apply today to compare multiple quotes with a free online application. Insureon’s licensed agents work with leading U.S. Carriers to find coverage that fits your coffee shop.
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