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Cafe and Coffee Shop Insurance
Compare insurance for cafes and coffee shops
Tailored cafe insurance from 98p a day*
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.
Find out what business insurance you might need for your cafe from Laura, our Small Business Editor
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
If a product you sell, like food or beverages, harms a customer, this insurance covers legal and compensation costs.
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 cafe is rewarding but it comes with unique risks. Cafe 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.
How much does cafe & coffee shop insurance cost?
Prices could start from around 98p per day*.
The cost of your annual cafe insurance varies based on several factors unique to your business. Costs are based on:
- The insurer you choose
- The level of coverage you need
- Where your business is located
- Business size
- Claims history
The cost of cafe insurance can be different for every business because no two cafes are exactly the same. A small takeaway coffee shop may pay less than a bustling city centre cafe with seating, kitchen facilities and several staff members.
Cafes with good health and safety practices, clean kitchens and fewer past claims may pay less. If your business has had any previous claims, your cafe insurance cost may be higher because some insurers may see your business as more of a risk.
Every cafe is different, so the best way to understand how much you’ll pay is to compare quotes from a panel. To find out your exact cafe insurance costs, speak to a member of our UK-based insurance team.
*This price is for a cafe or coffee shop customer – 10% of customers who were sold with one of our panel providers paid £355.48 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £29.62 a month or £0.98 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary based on your business requirements.
How can I get a lower cafe insurance quote?
To try and get a lower cafe insurance quote, it helps to show insurers that your premises are well run and low risk. Here are some simple steps that could help reduce your cafe insurance quote:
- Keep kitchens clean and safe
- Train staff properly
- Look after your equipment
- Prevent accidents
- Record incidents
- Compare insurance quotes
- Check and review your cover regularly
- Choose a comprehensive cafe insurance package
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 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 through any questions with our team.
What do I need to get started?
You only need a few details to get started with getting a business insurance 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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