Food & hospitality

Coffee shops & cafés

Cafes and coffee shops serving beverages and light food.

Why it needs cover

The exposure

Hot-liquid burns, customer slips, and property/equipment loss (espresso machines) are the main exposures, with lower alcohol and fire risk than full restaurants.

What we place

Coverages this class usually needs

Business owners policy (BOP)Often (lease)

GL + property bundleCore cover for a fixed location

General liabilityOften (lease)

Burns and slip-and-fallPublic foot traffic

Workers' compensationRequired (with employees)

Staff injuriesBurns and repetitive tasks

Equipment breakdownOptional

Espresso/refrigeration failureKey equipment

SpoilageOptional

Perishable lossDairy/food inventory

What it costs

National benchmark premiums

Rated on: Annual revenue and square footage

General liability

food/beverage GL averages $44/mo

BOP

low-risk food/beverage BOP averages $148/mo

Workers' comp

food/beverage WC averages ~$106/mo

Total annual (typical)

roughly $1,500-$3,500/yr for a small cafe

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (Food & Beverage cost); TechInsurance.

When it goes E&S

Where this risk gets hard to place

Generally admitted; wildfire/coastal property exposure or fire loss history is the main E&S trigger for the property line.

Contact

Talk to us about Coffee shops & cafés.

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