A Guide to Coffee Shop Insurance
Everything you need to know about coffee shop insurance
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Coffee shop insurance experts, Full Time Cover, provide a comprehensive guide on coffee shop insurance - with FAQs and answers. Find out more about Full Time Cover here.
What is coffee shop insurance cover?
Coffee Shop insurance covers activities for coffee shop owners in running their business. From spilling tea on a laptop to a member of the public falling down the stairs on their way to the loo. These are everyday accidents that can happen easily in a busy vibrant coffee shop. Your insurance is there to protect you in such an event.
Why should I buy it?
Insurance for coffee shop owners is essential for all coffee shop owners. By the nature of the business it is typically independent business owners with one premises. If an accident were to happen could your business absorb the potential legal costs and pay-out?
Top 5 frequently asked questions - with answers.
Do policies cover loss of refrigerated items?
Most policies should cover loss of stock. Make sure your stock figures are correct and up to date and check with insurers their limits suffice.Does having an outside patio affect my policy?
You would need to state this for your public liability to ensure you are appropriately protected.I use my own car for transportation of stock, is this ok?
Goods in transit insurance will cover your personal car providing you are the business owner. If you use a member of staffs car, make sure to highlight this.What types of coffee shop can be covered?
Sandwich shop, takeaways, bistros can all be covered. Only important notes to show is if you serve alcohol or say, have a deep fat fire or other more hazardous cooking equipment.What should I include in contents cover?
You need to imagine tipping your shop upside down and see what falls out! Tables, chairs, glasses, crockery, you can even include cover for employees personal belongingsTip for buying coffee shop insurance
Be prepared to give all details about your business - from the type of cooking equipment used to details about what is or isn't produced on site. A clearer picture of your day to day gives the most accurate policy possible and avoids either overpaying on insurances, or potential nasty surprises at point of claim.
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