Coffee Shop Insurance
Running a coffee shop involves a specific set of risks you would be wise to address with your insurance strategy as a business owner. If you employ staff to work in your coffee shop, you need to have employers’ liability compulsory insurance in order to comply with the law. If you use any vehicles as part of the business you must also ensure that these are covered with motor insurance.
Buildings and contents insurance are among the most commonly included options in an insurance package for coffee shops. As well as covering the property, this should be tailored to cover your coffee shop stock and equipment, which may include coffee machines and cash registers plus any other food preparation equipment your business uses. Your buildings and contents insurance may also cover the fixtures and fittings within your coffee shop, such as any furniture you may use for customers drinking and dining within the premises.
The equipment used within coffee shops can often be dangerous, from the coffee grinders and makers to any other cooking utensils. Your employees are therefore at particular risk of being injured, so you may wish to cover yourself and them using personal injury cover, as well as optionally covering them with health and life insurance.
Most coffee shops operate primarily with cash as their main type of turnover, so money cover may be a sound ingredient to choose, covering you for theft and robbery, both of which are unfortunately inevitable considerations when cash is present.
