Cafe Insurance

  • Cheap Cafe Insurance

  • Compare Specialist UK Brokers

  • Save Time & Money

  • FREE, No-obligation Quotes!

total insurance start rating

What is Cafe Insurance?

Cafe insurance is a specialised form of business insurance designed to protect café owners from the unique risks associated with running a café or coffee shop in the UK.

This comprehensive policy typically includes various types of coverage such as public liability, employers’ liability, product liability, and commercial property insurance, ensuring your business is safeguarded against potential financial losses.

Types of Cafes Covered by Cafe Insurance

Cafe insurance caters to a wide range of establishments, including:

  • Independent Cafés: Local coffee shops and small eateries.
  • Coffee Shops: Chains or standalone businesses primarily serving coffee and beverages.
  • Tea Rooms: Venues specialising in teas and light refreshments.
  • Internet Cafés: Providing internet access alongside food and drinks.
  • Mobile Cafés: Food trucks or stalls serving coffee and snacks on the go.
  • Bistros and Delis: Offering a mix of dining options and takeaways.

Compare Cafe Insurance Quotes

We know how difficult comparing policies can be. That’s why our trained team are here to help you find dedicated brokers who want to quote you.

Our service is free and impartial with no obligation to buy.

Cafe Insurance

What our Comparison Expert Says

‘Passionate about your cafe? Good news, our brokers are passionate about insuring it! We work with some of the UK’s leading insurance brokers to ensure we find you the right cover at the right price!’

- Michael Tribe

How our process works

We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.

Complete Our Quick Quote Form

Provide us with a small amount of information on our quick and easy form. If you don’t want to fill out our form, simply give us a call instead and 1 of our agents will do it for you!

Specialist Brokers Are Compared

We look at your individual needs and find you brokers who can save you the most and offer you the best value for money.

You Receive Cafe Insurance Quotes

You’ll receive multiple quotes tailored specifically to your own insurance needs.

You Save Money

Once you have all the quotes you’d like, you pick the right policy for you at the best price.

What Does Cafe Insurance Cover?

Public Liability Insurance

Protects against claims if a customer or third party suffers injury or property damage while on your premises.

Employers' Liability Insurance

Legally required if you have staff; covers claims from employees who fall ill or are injured at work.

Product Liability Insurance

Covers legal costs if someone becomes ill from food or drinks served by your café.

Contents and Stock Insurance

Protects your equipment, furnishings, and stock from theft, fire, or damage.

Business Interruption Insurance

Covers loss of income if your business cannot operate due to an insured event like fire or flood.

Buildings Insurance

If you own your premises, this covers damage to the structure of your building.

Equipment Breakdown Insurance

Covers repair or replacement costs for essential equipment like coffee machines.

Money Cover

Protects cash kept on-site or in transit to the bank.

What Is Not Covered by Cafe Insurance?

Wear and Tear

Damage from regular use over time is typically not covered.

Intentional Acts

Deliberate damage caused by you or your employees.

Illegal Activities

Any claims arising from illegal operations or non-compliance with regulations.

Cyber Attacks

Unless specifically added, cyber liability may not be included.

Specific Exclusions

Check your policy for any other exclusions that may apply.

Who Needs Cafe Insurance?

Any business operating as a café or similar establishment in the UK should consider cafe insurance, including:

  • Cafe Owners: Protecting assets and financial interests.
  • Franchise Operators: Meeting franchisor requirements and protecting brand reputation.
  • Mobile Cafe Vendors: Covering liabilities while operating in various locations.
  • Home-Based Cafés: Ensuring coverage even when operating from home premises.

How Much Does Cafe Insurance Cost?

The cost of cafe insurance varies based on factors like:

  • Business Size and Turnover: Larger cafés with higher revenues may face higher premiums.
  • Location: Areas with higher crime rates might increase insurance costs.
  • Coverage Level: More comprehensive policies with higher limits cost more.
  • Claims History: Previous claims can affect your premium.
  • Number of Employees: More staff can lead to higher employers’ liability insurance costs.

On average, café insurance premiums can range from £500 to £1,500 per year, but obtaining personalised quotes is essential for accurate pricing.

How to Compare Cafe Insurance Quotes

Finding the right cafe insurance involves:

  1. Assessing Your Needs: Determine the specific coverages required for your business.
  2. Getting Multiple Quotes: Contact various insurers or use comparison websites.
  3. Comparing Coverage Details: Look beyond price to understand what each policy includes.
  4. Checking Insurer Reputation: Research customer reviews and claim handling efficiency.
  5. Consulting an Insurance Broker: They can offer expert advice and access to exclusive deals.

Frequently Asked Questions

While not all types of café insurance are legally required, employers’ liability insurance is mandatory if you have staff. Other coverages like public liability insurance are not legally required but are highly recommended.

Yes, most insurers allow you to customise your policy to include the coverages that best suit your business needs.

Typically, public liability insurance covers incidents in outdoor seating areas owned or used by your café. Ensure you include these areas when arranging your policy.

Contact your insurer as soon as possible to report the incident. Provide all necessary documentation to support your claim for a smooth process.

Implementing safety measures, staff training, and security systems can help lower premiums. Also, comparing quotes from multiple providers can lead to more competitive rates.

Related Insurance