Cafes and Coffee Shops

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Running a café or coffee shop can be a tedious, yet rewarding, undertaking. Your daily responsibilities include serving customers, making sure your inventory is regularly stocked, cooking food in a safe manner, and much more. The service-oriented, fast-paced line of work and promptly preparing food for your customers can subject you and your employees to many risks. While workplace misfortunes can't always be prevented, fortunately, you can be prepared ahead of time to face many of the obstacles that come your way with café insurance from AmTrust Financial.

For a lot of your customers, your café or coffee shop is their most enjoyable stop of the day. You've most likely spent a lot of time developing positive professional relationships with your visitors. What if one of your patrons is burned by hot coffee or suffers an illness because of improperly cooked food? Or, what if a kitchen fire wreaks havoc on your building? On top of possible patron injuries, there are varieties of employee injuries and risks that can occur in a coffee shop.


Cafes Insurance Coverage Options


Since the way you operate your café is completely unique, it only makes sense that your café insurance should reflect the risks faced by your business. However, many café owners choose to have the following insurance staples as part of their risk management strategies:

• Workers' Compensation Insurance
• General Liability Insurance
• Commercial Property Insurance
• Businessowner's Policy


Protecting Your Café Employees with Workers' Compensation Insurance


Since preventing on-the-job accidents or injuries isn't always a possibility, many café owners carry workers' compensation insurance. This type of policy may be a requirement of your state, and if an employee suffers an accident, injury, or illness at work, it helps to cover the costs of:

• Medical expenses
• Lost wages
• Rehabilitation expenses
• Prescription drugs

In addition to covering accident-related claim costs, workers' compensation may also provide your business with a defense to a claim resulting from an injured employee's accident, illness, or injury. With workers' comp, injured employees may receive help paying for medical expenses, surgeries, hospital stays, prescription drugs, lost wages and more. As a café or coffee shop owner, with a workers’ compensation policy, you could get defenses to any lawsuits filed for employees' workplace injuries and get help paying for costs associated with a claim.


Protecting Your Café from Third-Party Claims


As much as you try to leave your customers satisfied each time you serve them, as a business owner, you may be subjected to third-party lawsuits. General liability insurance could help to protect you from many third-party claims. In most instances, this type of policy covers third-party property damage, advertising injury, bodily injury, copyright infringement, and more.


Protecting Your Café's Property


Since you rely on equipment such as stoves, ovens, and many appliances in your line of work, ensuring that the property you own remains protected against damage is of crucial importance. If a grease fire quickly spreads and ruins part of your café, will you be able to pay for repairs out-of-pocket? What would happen if an intruder breaks into your café in the middle of the night and vandalizes your inventory and equipment, will you be able to recover financially? Commercial property insurance can help to cover your property and belongings if they become damaged or destroyed.


Keeping Your Resources Safe When a Catastrophe Strikes


If you're forced to close your café due to a catastrophic event such as a fire, a businessowner's policy (BOP) could help you recoup some of your lost income. This type of policy combines general liability, commercial property, and business interruption coverages, and many café owners choose to purchase this type of policy because of its many benefits. A BOP bundles different types of coverage to protect you from the following risks:

1. Property damage. Your property and inventory may be protected against fire damage, vandalism, theft and other kinds of damage.

2. Liability claims. Coverage is designed for third-party liability claims, including allegations of bodily injury, property damage, copyright infringement and advertising injury.

3. Business interruption. Loss of income you suffer due to an unexpected event, such as assistance recovering financially if you have to shut your cafe because of a type of a catastrophe.


How Do I Get Café or Coffee Shop Insurance?


Protecting the hard work you’ve put into your coffee shop is a top priority and having the right insurance that will safeguard your work is crucial. Get the coverage you need to keep your business thriving even in the face of uncertainties. AmTrust Financial is a producer of café insurance policies that are tailored for small businesses like yours. Let us help you find insurance policies and coverage limits to help keep your business safeguarded. We work alongside you to find an insurance package suited to your needs. To learn more about coffee shop workers' compensation packages and other top-rated insurance products that are available through AmTrust contact us today.
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