Coffee Shop

Save up to 30% on your business insurance

Perk up your protection with coffee shop insurance!

When it comes to your coffee shop, the right insurance coverage can be the cream in your coffee. Don’t settle for a generic policy for your small business, get personalized coffee shop insurance tailored to fit your unique needs.
Whether your shop serves hot or cold beverages, or both, Coverage Cowboy can help you find the right coverage to protect your business from property damage, third-party liability, product liability and more.
  • General Liability
  • Workers' Compensation
  • Commercial Property
  • Commercial Auto

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Coffee Shop businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

General liability insurance is important for coffee shops to protect against potential liabilities. It covers a wide range of accidents and risks, such as customer injuries, property damage, and copyright infringement. In the case of a coffee shop, it could provide financial protection if a customer gets burned by a hot beverage or if a customer trips and falls on the premises.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance is a must for any coffee shop that uses a vehicle for business purposes. It provides protection from losses caused by accidents, theft, and other related incidents. It also covers the costs of medical expenses, repairs, and legal fees in the event of an accident. This type of insurance is essential for coffee shops that use a vehicle to make deliveries or transport employees.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance provides financial protection for coffee shops in the event that an employee is injured while on the job. It covers medical expenses and lost wages for the injured worker, as well as legal costs if the employee decides to take legal action. This type of insurance is essential for any business with employees to ensure their safety and financial security.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance is a vital part of operating a successful coffee shop. It provides coverage for the physical assets of the shop, such as furniture, equipment, and inventory, in case of fire, theft, vandalism, or other disasters. It also covers lost income if the coffee shop has to close due to a covered event, helping to keep the business running.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Coffee Shop business insurance

How does business insurance protect me?
Business insurance can protect coffee shops from a variety of potential risks, such as property damage, liability claims, and business interruption. Here are a few examples of how different types of business insurance can provide protection for a coffee shop:
Liability insurance: This type of insurance can protect a coffee shop from lawsuits stemming from injuries or accidents that occur on the property. For example, if a customer spills a hot drink and sustains burns, the coffee shop could be held liable for the damages. Liability insurance can help cover the cost of legal fees and any settlements or judgments awarded to the injured party.
Property insurance: This type of insurance can protect a coffee shop from damage to its building, equipment, and inventory. For example, if a kitchen fire damages the building and equipment, property insurance can help cover the cost of repairs or replacement. Similarly, if the coffee shop’s inventory of food and beverages is spoiled due to a power outage, the policy may cover the cost of replacing it.
Business interruption insurance: This type of insurance can provide coverage if the coffee shop is forced to close temporarily due to a covered loss. For example, if a kitchen fire damages the building and the coffee shop is closed for repairs, business interruption insurance can help cover lost income and expenses, such as payroll, during the closure period.
Workers Compensation: This type of insurance provides protection and medical coverage for employees that get injured or falls ill in connection to the work they are performing.
What do I need to get an insurance quote?
Getting a quote from Coverage Cowboy is a breeze! All you need to do is gather a bit of information about yourself and your insurance needs, and we’ll take care of the rest.

Here’s what you’ll need to provide to get a quote:
  • The type of services or products you offer
  • The location of your office or place of operations
  • The size of your workforce and their pay
  • The number and types of vehicles used for business purposes

These questions will help us tailor a quote that fits your specific business needs and ensure that you have the appropriate coverage in place to protect your company. With this information, our experts will be able to provide you with a quote that fits your business perfectly, providing you with the peace of mind you need to focus on what’s important – your business.
Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.