Customer buying food in a café


Café Insurance

We compare quotes from leading insurers
Cafés offer a relaxing retreat for people to enjoy food and drinks with friends and family at their leisure. With so many customers visiting your premises every day it’s essential you have the right café insurance in place to protect your business.

We understand that running a café is a busy occupation and can put pressure on time, which is why we’ve made it quick and easy for you to get the café insurance you need in one easy to buy policy. You can compare quotes online from some of the UK’s trusted insurers in just a few minutes or call us to get advice from our insurance advisors. They’ll make insurance recommendations based on your business’s unique requirements.

If you run a café or snack bar or you’re looking for internet café insurance, we are on hand to arrange the right cover at the right price for your business. Simply give us a call for advice or if you know your insurance needs and don't need advice, simply go online to compare quotes in minutes.

If you know the covers you require, it's quick & easy to compare shop insurance quotes from a selection of insurers on our website.
Unsure of your cover requirements or looking for insurance advice? We'll call to arrange a new insurance quote at a time that's convenient for you

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.

Lines open Monday to Friday 9:00am–5:00pm

Cafe insurance is a type of insurance package that is designed to protect hospitality business like your cafe from financial losses, such as accidents, legal disputes, and natural events. It can include several types of coverage to give you peace of mind allowing you to run your business without additional worry. For example, if a customer slips or falls in your premises you may need to pay compensation for injury, which could be covered by public liability cover as part of your Cafe insurance policy.
When deciding what insurance and covers you need to protect your business, you should consider the following:

All café owners who want to protect their venues from unexpected events should take out insurance. We help hundreds of café owners protect their business by arranging the right café insurance policy at the best price. We understand that not every business is exposed to the same risks but insurance can protect you and your business financially if something does unfortunatley go wrong.

We’ve helped many café owners arrange business covers that are uniquely tailored to their business activities in one easy to buy policy. We understand the risks you face daily and can combine liability cover, contents, food stock and much more to help you find comprehensive insurance for a café in case something unexpected happens.

We can arrange protection for all your business contents, and buildings if required, and can even source cover for business equipment away from your business premises.

At Premierline, we offer flexible cafe insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your business, you should consider the following:

  • Public liability – for injured guests or damage to their property.
  • Employers' liability – to protect your employees.
  • Buildings cover – to cover for loss or damage to your building.
  • Equipment, contents and stock – to reinstate your items and belongings.
  • Business interruption – to keep finances running when disaster strikes.
  • Money cover – for theft or attempted theft.
  • Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
  • Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.

The cost of insurance for a cafe will depend on several factors, including the size and scale of your business, as well as the location of the cafe, the types of covers required, the value of the assets being insured, and the overall level of risk associated with the business.

It is difficult to estimate the cost of insurance for a cafe without taking all of these these factors into consideration. The best way to get an accurate estimate of the cost of insurance is to compare quotes on the Premierline website or to speak to one of our insurance specialists who can assess the overall needs and risks of your business and provide a quote from a reccommended insurer.

We understand the time constraints that come alongside running your own business, and finding time to source fair and competitive insurance can be challenging. That’s why we are on hand to make arranging your business insurance simple and hassle-free. Our experts are able to provide an advised service.

If you know your insurance requirements you can compare café insurance quotes online in a matter of minutes. Alternatively, call us today to ask any questions you might have or to discuss your overall insurance requirements. You’ll get you the cover you need and the peace of mind that your cafe is protected.

As a business insurance broker, we can arrange insurance covers for a vast range of different cafes and hospitality businesses. Whether you run a small cafe, coffee shop or operate with a larger offering, our team are able to find the best insurance to suit your requirements. Here are just some of the different types of cafes we can source insurance for:

  • Coffee shops - serving coffee and related products such as espresso, cappuccino, latte, and other coffee-based drinks.
  • Bakery cafes - offering a range of baked goods, pastries, and desserts in addition to coffee and other beverages.
  • Tea rooms - serving speciality teas, often along with small bites, sandwiches, and other light fare.
  • Juice bars: serving fresh juices, smoothies, and other healthy drinks and snacks.
  • Sandwich shops - preparing and serving sandwiches, often using high-quality ingredients and artisanal breads.
  • Vegan and vegetarian cafe - serving plant-based cuisine, offering a range of dishes made with fresh vegetables, fruits, and grains.
  • Specialty cafes - with a focus on a particular type of cuisine, such as Italian or French, or a specific type of food or drink, such as ice cream or chocolate.
  • Internet cafes - allowing customers to use computers and access the internet while enjoying coffee, snacks, and other beverages.
  • Social enterprise cafes - operating with the primary goal of creating social or environmental impact.
It's important to work with a reputable insurer or insurance broker such as Premierline who can help you assess the specific risks and liabilities of your business and determine the right coverage options for your needs. Make sure to read the policy documents carefully and ask questions if anything is unclear.
Yes, you still need cafe insurance even if you rent your space. The landlord's insurance policy typically only covers the building structure and not your business operations.
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 
“Excellent customer service. Friendly, relaxed manner whilst very professional. The two team members I spoke to were friendly and clear. They were both very professional and very efficient and my insurance was sorted swiftly.”
Catering Business Owner
Customer since January 2024
4.7/5 stars
341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.
If you know the type of insurance you need you can protect your business instantly by getting a quote in a matter of minutes online. However, if you’re looking for expert advice and guidance call and speak to our business insurance advisors.
If you know the covers you require, it's quick & easy to compare shop insurance quotes from a selection of insurers on our website.
Unsure of your cover requirements or looking for insurance advice? We'll call to arrange a new insurance quote at a time that's convenient for you

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.

Lines open Monday to Friday 9:00am–5:00pm