Barista working in a coffee shop


Coffee Shop Insurance

We compare quotes from leading insurers
Coffee shops are a hive of activity, bustling with people looking for drinks and refreshments and a place to rejuvenate. With hot drinks, food and a high footfall of customers, you need quality coffee shop insurance to protect your business in case something goes wrong.

As a coffee shop owner, you’re responsible for the safety and welfare of your customers, your staff and suppliers while they’re at your shop, meaning protecting against the unexpected is essential. We understand the time pressure of running your own business which is why we’ve made it quick and easy to protect your coffee shop by combining essential covers into one easy-to-buy policy.

You can compare coffee shop insurance quotes online from some of the UK’s leading insurers in a matter of minutes if you know the covers you are looking for. Alternatively, if you’re looking for some guidance and advice call and speak to our insurance advisors who are on hand to make professional insurance recommendations that are tailored to your business activities.

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

Coffee shop insurance is a type of business insurance shop package that is designed to protect coffee shops and cafes from financial losses as a result of accidents, legal disputes, and natural disasters. It can be tailored to include several types of coverage to give you peace of mind allowing you to run your business without additional worry.
When deciding what insurance and covers you need to protect your business, you should consider the following:

Coffee shop insurance is essential for any business owner to protect against unexpected events that could impact your ability to trade. Insurance for coffee shops can protect you against a number of eventualities to give you peace of mind and security in case something goes wrong.

Serving hot drinks, light bites and providing a relaxing environment for all your customers can leave you exposed to a number of risks that could lead to claims being made against you. With this in mind your coffee shop insurance policy should be comprehensive enough to protect your clients, yourself and suppliers in case something goes wrong.

At Premierline, we can arrange flexible coffee shop insurance covers that can be as simple or comprehensive as you need depending on the scale of your coffee shop. When deciding what insurance and covers you need to protect your business, you should consider the following:

  • Public liability – for injured customers or damage to their property.
  • Employers' liability – to protect your employees.
  • Buildings cover – to cover for loss or damage to your building or shop.
  • 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 an insurance policy for a coffee shop will depend on several factors, including the size and scale of your shop, where it is located, the types of covers required, the value of the assets you need insured, and the overall level of risk associated with the coffee shop.

It is difficult to estimate the overall price of insurance covers for a coffee shop without taking all of these factors into consideration. The best way to get an accurate quote for the price of insurance for your coffee shop, is to compare the available quotes on the Premierline website. Or, speak to one of our trained insurance advisors who can assess the overall needs and risks of your business before providing a quote from a recommended insurer.

We understand the time constraints that come alongside running your own coffee shop, and finding time to source the right insurance can be tough. That’s why our team is on hand to make arranging your coffee shop insurance simple and hassle-free. Our experts are able to provide an advised service over the phone and can help find the right insurance for you in a timely manner.

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

We have many years’ experience arranging insurance for coffee shop owners meaning we can help you find the right cover at the right price for your business.

Whether you’re providing light bites or afternoon tea, roasting your own beans or selling a variety of cafetieres, percolators and other coffee related gifts and gadgets, we can arrange tailored insurance to protect your business against the unexpected.

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 coffee shop 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 right now by getting a quote online. However, if you’re looking for guidance from an insurance expert then call and speak to our business insurance advisors now.
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