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Cafe insurance and coffee shop insurance
Compare insurance for cafes and coffee shops
Tailored cover for your cafe or coffee shop
Compare from a panel of trusted insurers
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for small businesses, including cafes
Get tailored cover to protect against claims from employees, customers & more
Get the protection you need with no needless extras
What is...
cafe insurance?
If something goes wrong at your cafe or coffee shop, say an employee burns themselves on a hot plate or a customer slips on a wet floor, you could be held responsible. Cafe insurance could cover your business for the cost of any claims made against you or if you need to claim.
It’s also a good idea to make sure your cafe insurance covers your stock and equipment against theft or damage.
Why do you need cafe insurance?
The nature of running a cafe comes with risks for you, your customers and your bank account, so it’s important to get fully insured against these risks.
- A customer gets food poisoning from food you’ve served.
- Accidental fires caused by fryers, ovens or hobs.
- A customer slips on a greasy floor and injures themselves.
If you have any employees or any volunteers, you need to take out employers' liability insurance by law.
What cover do you need for your cafe?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your coffee shop insurance package could include:
Public liability insurance
In case you injure someone or damage something while providing your services
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Commercial building insurance
To protect business premises that you own, whether you're using them or renting them out to others
Business Interruption Insurance
Covers lost income if your commercial property has to close due to material damage
Product liability insurance
Covers you a customer claims a food or beverage item you provided caused them harm
Equipment breakdown insurance
Covers the costs of repairing or replacing essential equipment in case of breakdowns.
Loss of license insurance
Protects your business if your license to sell alcohol or operate is lost for reasons beyond your control.
Running a café is rewarding but it comes with unique risks. Café insurance helps cover you for property damage, customer claims, and even food safety related incidents that might crop up.
James Barwell, Insurance Director
What type of cafes does this cover?
We can help insure all types of cafes, including:
- Standard cafes and coffee shops
- Delis
- Sandwich shops/bars
- Bistros
- Beer cafe
- Tea rooms
Can’t see your cafe type? It’s likely we can still help you. Start a quote online to get started.
Can you get insurance if you use a fryer?
Yes, you’ll just need to tell your broker so they can make sure the right cover is in place.
Using deep-fat fryers comes with an extra fire risk, so you’ll need to make sure your policies cover you in case something happens, say someone leaves fried goods in the fryer and it sets on fire, for example.
Our knowledgeable insurance team will be able to make sure your policies include cover for risks that come with using fat fryers.
Is insurance a legal requirement for cafes?
The only insurance that’s a legal requirement is employees’ liability insurance, this applies if you have any employees. Many other types of cover are essential for business owners, even if they’re not required by law.
Not sure what types of cover are essential for your business? Our knowledgeable insurance team are on hand to support you in selecting the right cover for your business. Start a quote online today.
Why choose cafe insurance with Bionic
At Bionic, we support and champion UK business owners and want to help in every way we can. We work with a panel of insures, providing many different types of cover that can be tailored to the exact needs of your cafe or coffee shop.
We focus on getting you the right cover, ensuring you are properly protected by comparing business insurance quotes to find one that fits.
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
Cafe Insurance FAQs
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