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 coffee shops and cafe business owners that are already protected!

Partnership with over 50 leading Canadian insurance companies

Zen Man protected by cafe insurance

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.

Restaurant Insurance Coverage

What does Cafe / Coffee Shop Insurance 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

Who needs Cafe / Coffee Shop Insurance?

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

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

  • Cafe Owners 
  • Coffee Shop Owners
  • Juice Bar Owners 
  • Teahouse Owners  
  • Bistro Owners
  • Ice Cream Shop Owners
Restaurant Insurance Costs

How much does Cafe / Coffee Shop Insurance 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!

If Cafe/Coffee Shop Insurance is what you need, request a free quote now

Common scenarios where Cafe Insurance is useful

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.

What our customers friends say about us

Our customers ❤ us, and so will you!
Learn why thousands of Canadian small businesses trust us with their insurance needs.

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.