Insurance for Cafe and Coffee Shops

Whether you own a small coffee shop or your town’s hippest juice bar, protect your business with Cafe and Coffee Shop Insurance

Join thousands of Canadian businesses that are already protected!

Get a Free Quote

Partnerships with over 50 leading Canadian insurance providers

Zensurance - Coffee Shop Owner

What is Cafe / Coffee Shop Insurance?

Cafe and Coffee Shop Insurance is an insurance policy packaged specially designed to protect cafe and coffee shop owners against the specific risks and liabilities associated with operating their businesses.

Mistakes can happen and disrupt your business in a matter of minutes. We know what makes your business unique, leave it to us to find the best fit for you.

Get a Free Quote
Restaurant Insurance Coverage

What does it cover?

A comprehensive Cafe and Coffee Shop Insurance policy package typically includes: 

  • Commercial General Liability Insurance: Coverage against liability claims and lawsuits alleging third-party bodily injury or property damage as a result of your business operations.
  • Equipment Breakdown Insurance: Covers the costs to repair or replace equipment that has broken down due to an internal cause, such as an electrical or mechanical issue.
  • Product Liability Insurance: Like CGL, product liability insurance covers the costs associated with claims alleging third-party bodily injury or property damage due to a product you supply or sell, including food and beverages.
  • Contents Coverage: covers the cost to replace or repair property, equipment, machinery, etc. in cases of damage due to external factors, such as fire, theft, or flood.
  • Business Interruption Insurance: covers net income loss if you need to close your business temporarily. In addition to income lost during the time it takes to restore your business to a working state, your employee’s wages and overhead costs, such as electricity and rent, may also be covered. Please note this insurance does not cover pandemics.
Restaurant Insurance Requirements

Do cafe or coffee shop owners need insurance?

Any individual operating a coffee shop or cafe that serves food or beverage should protect themselves with a  Cafe and Coffee Shop Insurance program. 

We’ve insured thousands of business owners. Some of our clients include: 

  • Cafes 
  • Coffee Shops 
  • Juice Bars 
  • Teahouse s
  • Bistros 
  • Ice Cream Shops
Restaurant Insurance Costs

How much does it cost?

For a small- to medium-sized business, you can anticipate a starting cost of approximately $1500 for a Cafe and Coffee Shop Insurance policy package.

We’ve partnered with over fifty insurance providers to offer you different options that suit your business needs at the best price.

The following factors are taken into consideration when determining the best policy options for you: 

  • Years of Experience
  • Services
  • Location
  • Annual and Projected Gross Revenue
  • Number of Employees

Getting insured is quick and easy!

Complete our 5-minute online application form for a free insurance quote.

Get Free Quote Now

Common claims scenarios

customer falls in cafe

Problem: A customer slips on spilled coffee while visiting your cafe and breaks their wrist.
Outcome: Your Commercial General Liability insurance covers the medical expenses, totaling $3,500.

spoiled cafe produce

Problem: A power surge damages your refrigeration units, and all of your produce is spoiled.
Outcome: Your Equipment Breakdown Insurance covers the cost to repair the unit and contents coverage covers the cost to replace the produce, totaling $18,000.

cafe kitchen fire

Problem: A fire burns damages a portion of your kitchen, causing you to temporarily close your cafe during repairs.
Outcome: Your Business Interruption Insurance covers the income lost, as well as rent and electricity during the time it takes to restore your kitchen, totaling $53,000.

Our most recent reviews

See for yourself what customers have to say about us.


4.8 ★★★★☆ 1000+ Google Reviews

Ready to start? Let’s get a quote!

Getting business insurance shouldn’t be complicated!

At Zensurance, we simplify the process of getting insurance so that you get the coverage you need, quick and easy!

Our friendly support team is always ready to answer questions, we’re just a click or a phone call away.

Get a Free Quote
Zen Man
Get a Free Quote