Insurance for Coffee Shops

Insurance for Coffee Shops

Coffee Shops offer an important service to many Americans. With the constant traffic in and out of most Coffee Shops, it is especially important to make sure your shop is properly protected. We will go over some of the most important coverages for your Coffee Shop.

Insurance for Coffee Shops – General Liability

As mentioned above, most Coffee Shops have a lot of foot traffic from customers coming in and out of the premises. If one of these customers were to fall and injure themselves, the Coffee Shop may be held liable. General Liability is designed to protect you against these types of accidents, as well as many other exposures. General Liability for Coffee Shops is often very affordable and easy to obtain.

Insurance for Coffee Shops – Business Personal Property

Business Personal Property for Coffee Shops is an important coverage that can often be overlooked. Business Personal Property can include coverage for your computer systems, coffee brewing equipment, inventory, etc. In addition, you can often add Business Income coverage to the policy, which will pay you for lost wages as a result of a covered property claim. Business Personal Property coverage is usually very affordable and you can often add this coverage to your General Liability by packaging it into what is called a Business Owners Policy.

Insurance for Coffee Shops – Workers Comp

Workers Comp is not only important, but it is required by law in most states. Regardless of your State’s requirements, you should carry Workers Comp for your employees, as you can often be held liable for employee injuries that occur at work. There are several carriers available that offer coverage for Coffee Shops, so finding coverage should be easy. With Workers Comp, it is important to maintain active coverage without lapses. This is because you may be able to obtain pricing credits on your policy by maintaining continuous coverage without lapses.

Stone Creek Insurance Agency works with many Coffee Shops and we would love to help you with yours. To learn more, give us a call at 925-297-4829.

All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.