Cafe Insurance | Insurance For A Cafe | Cafe Insurance Quote

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Need a café insurance quote? Let the independent specialists at your local Coversure office compare their markets to find you great café insurance protection. Your local Coversure office can offer you tailor-made protection, so start your quote today.

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What is Café Insurance?

Café insurance gives specialist protection to people who own or rent cafés, coffee shops, delicatessens, or tea rooms the comprehensive protection they need. A typical policy gives you important covers such as:

Which Types Of Businesses Can Café Insurance Cover?

Café insurance is a surprisingly flexible form of business cover and can protect:

  • Cafés
  • Pop-up cafés and street food vendors
  • Tea rooms
  • Delicatessens
  • Coffee shops
  • Restaurants

As you can see, this is a policy that can protect many types of eateries, not just cafés. If you’d like to know or would like a café insurance quote, then please get in touch with your local Coversure office .

What can Café Insurance cover?

As well as being suitable for a wide variety of establishments, café offers a package of protection that allows you to cover multiple risks on a single policy*.

  • Stock including food and alcohol
  • Electronic business equipment such as tills and PDQ machines
  • Public liability insurance
  • Products liability cover
  • Employers’ liability insurance – a legal requirement if you have any staff
  • Buildings insurance, including protection for listed buildings
  • Contents cover, including fixtures and fittings, signs, and blinds
  • Glass cover
  • Loss of licence
  • Loss of money
  • Frozen food, in case there’s a power cut or your freezer packs up
  • Goods in transit – handy if you offer deliveries or do outside catering
  • Your book of debts
  • Business interruption if you are forced to close following a disaster

You can also include options for:

  • Legal costs and expenses – including employment compensation awards
  • Material damage – which provides full perils protection, including accidental damage

Tips For Buying Café Insurance

Given the many risks that cafés and other retail catering businesses face, this can be a complicated policy to arrange. We would always recommend getting some independent insurance advice before taking out a policy. To help you get started, here are Coversure’s top tips for buying café insurance:

1. Be clear on the details – give your broker as much information as possible on what you do and how you operate – working with deep fat fryers, for example, may increase your risk profile. You should include things like:

  • The value of any stock
  • How much cash you have on site
  • Whether you have any employees.

This will allow them to create a policy that offers you everything you need and avoid you having to pay for things you don’t need

2. Increase your levels of security to reduce premiums – burglar alarms, window locks, not leaving cash overnight, locking away any beers, wines, and spirits, and fitting window grills and security locks can all help reduce your café insurance quote costs

3. Make sure your policy has flexible cover limits – this allows you to increase your level of stock protection to cover busy times like Christmas and the summer months

4. Get some independent advice – an independent broker can offer you the help you need. They can also do the shopping around for you, saving you time and money

If you’d like to know more or would like a café insurance quote, please get in touch with your local Coversure office.

The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Café cover for you.

Café Insurance FAQ

Café insurance is an adaptable cover that can protect retail catering businesses of all sizes from a range of common risks. To help you get the protection you need, here is a selection of café insurance frequently asked questions:

No, but employees’ liability insurance is a legal requirement if you have employees.

That will depend on factors such as the size of your business, where it is, your claims history, and whether you have staff. If you’d like to know or would like a café insurance quote, then please talk to your local Coversure team.

Getting a café insurance quote is easy. You can either start your quote here or get in touch with your local Coversure office.

Yes, as you will have members of the public visiting your business, you’d be wise to have Public Liability insurance in place.

Yes, and you can even cover frozen food, though we’d recommend taking cash home or banking it at the end of the day.

Employers’ Liability insurance is a legal requirement if you employ people. It provides cover in the event of your employee injuring themselves or if their property is damaged while at work. The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) to protect your employees in case they are injured or become ill as a result of working for you. Your policy must:

  • Cover you for at least £5 million
  • Be with an authorised insurer
  • And employers must provide a safe working environment

Need a Café Insurance quote?

If you’d like a Café Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.

Employers’ Liability

Public Liability


* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.

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