Coffee Shop Insurance

When it comes to coffee shop insurance, you want your carrier to be as balanced as your blends. With a PolicySweet® Business Owners Policy, we’ll make sure you have the coverage that will keep your business as energized as the coffee you serve. From General Liability and Workers’ Compensation to food spoilage, each coffee shop insurance policy is brewed fresh just for you.

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What Insurance Do You Need for Your Coffee Shop?

We offer Workers’ Compensation, Business Owners Policy, and HomeHQSM coverages. Each type of insurance is designed to help protect your business against different risks. Learn more about these coverage options:


If you’re looking to obtain general liability, commercial property, and cyber insurance for your business, a BOP might be the perfect solution for you. All three coverage are included in a Business Owners Policy from PolicySweet.

General Liability Insurance

General liability can help protect your business if it is found to be at fault for third-party bodily injury, property damage, or advertising injuries.


Property Insurance

Without business property coverage, you most likely would have to pay to replace or repair damaged items out of pocket.


Cyber Insurance

If your company stores customer information electronically such as credit card numbers, phone numbers, and email addresses you might want to consider cyber-risk coverage. It could help protect your business from losses related to a data breach.


Workers’ Compensation

Workers’ Compensation can help protect your employees if they are injured on the job by covering medical expenses related to their injury.


Own a coffee cart business? HomeHQ coverage could help protect your business in the event of liability claims, business property losses, inventory damages, and lawsuits. It could provide you with “peace of mind” and eliminate the risk of paying out-of-pocket for damages your business might incur.

Coffee Shop Insurance by State

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Coffee Shop Insurance Articles

A Guide to Commercial General Liability Insurance for Clothing Stores

Running a clothing store can be challenging, and you may want adequate protection. Learn about commercial general liability insurance here.

Opening a Coffee Shop: What You Need to Know

Do you love the idea of opening up a coffee shop but don't know how to make the dream a reality? Learn more about opening a coffee shop here.

7 Reasons You Need Equipment Breakdown Coverage for Your Coffee Shop

Machines break occasionally. That's a fact of life. To best protect your business, you need to invest in equipment breakdown coverage. Read on for details.

Workers' Compensation Insurance: Why Does Your Coffee Shop Need it?

According to reports, food and beverage workers suffered over 26,000 non-fatal injuries over a six year period. During this same time, 141 fatal injuries took place.