Coffee Shop Insurance in San Diego
Need Help Insuring Your Cafe? Call H&M Today For Specialized Insurance For Coffee Shops
Coffee shops are found in every corner of the world and are often considered to be at the heart of their community. If you run a café in San Diego and need assistance with business insurance, turn to Herriott & Mijailovic agency. Leveraging our help and expertise, your business, employees, and customers will be fully protected. We will create a policy that fits your budget and your requirements and provide expert advice on coverage amounts and limits. If you want to see what your options are, please call us or fill out the contact form. Get your free, no-obligation quote today.
(619) 296-0005
Our insurance specialists are able to provide major coverages for coffee shops, including commercial property insurance, general liability, worker’s compensation, business owner’s policy, product liability, liquor liability, and similar. The right insurance will protect you from theft, customer lawsuits, property damage, vandalism, liquor liability, while providing financial help to pay for legal fees, medical bills, lost wages, and so on.
Owning a cafeteria can be quite lucrative due to its potential for high-profit margins and affordable supplies. At the same time, it can be a very hectic and bustling business since it takes a lot of time and effort to operate a café. Between morning and after-work rush hours, ordering supplies, and managing the staff, you should not forget to obtain suitable coffee shop business insurance with adequate coverage. H&M is an independent insurance agency with relevant experience in the San Diego market. We work with A+ insurance suppliers like First Comp, Markel, Progressive, The Hartford, Travelers, and others to provide the perfect policies for small businesses in the area.
Insurance Coverages Coffee Shops & Café Businesses
Similar to restaurant insurance coverage, at H&M, our experienced agents can customize a specialized policy for cafés, coffee shops, cafeterias, bistros, coffee bars, coffee houses, java shops, specialty coffee roasteries, food trucks, donut shops and other small establishments that sell specially crafted coffee drinks and food items. As an independent agency, we are licensed and authorized to sell products from major insurers, which gives us an opportunity to craft the most comprehensive policies at best available rates.
Finding the best insurance plan for your café is our main priority. At Herriott & Mijailovic, we want to ensure three key things for your small business: protection, financial security, and operation without interruptions. Coffee shop insurance policy we offer includes, but is not limited to:
Commercial (business) property insurance
Commercial property coverage helps pay for the repair or replacement of damaged, lost, or stolen property. Whether you own or rent a space for your cafeteria, you should acquire this coverage as it covers your whole property and everything on it, including the building, coffee machines, other equipment, coffee, cups, furniture, etc. If a pipe bursts or a storm damages the building, this coverage can pay for the repair or replacement of the destroyed property.
General liability insurance
This coverage is the most basic coverage that safeguards your coffee house from financial losses by paying for the legal expenses and medical in case of third-party claims (bodily injury, property damage) and libel or slander. If a customer gets injured or their property (a car) gets damaged while at your café, general liability insurance covers the expenses of medical treatment, car repair, and the settlement.
Business owners’ policy (BOP)
If you run a small to mid-size coffee establishment, you should seriously consider getting a Business Owners’ Policy (BOP). This special policy combines three essential coverages into a single package: general liability, commercial property, and business interruption insurance. Often offered at a discounted rate, this insurance will protect you against unexpected risks, liability claims from third parties, damages, crime, and so much more.
Workers compensation insurance
If your coffee shop has part-time or full-time employees, you will need this coverage, as it is legally mandatory in California and other states. It protects the workers (servers, baristas, shop managers, cleaners, and all other employees) who get injured on the job by covering for their lost wages and medical expenses.
Commercial auto insurance
If you use vehicles or delivery vans for business or own a coffee shop in a food truck, you should purchase commercial auto insurance. This coverage protects your vehicles, drivers, other people and property by paying for the financial losses caused by an accident involving your commercial vehicle.
Business interruption insurance
This insurance covers operational costs if your cafeteria experiences an unexpected event that forces you to temporarily close your business due to unforeseen disruptions such as natural disasters. This coverage helps cover ongoing expenses (including taxes, debt, temporary location) and compensates for lost income during the time your coffee place was closed.
Liquor liability insurance
Liquor liability coverage is essential for coffee establishments that serve alcohol. If you also serve cocktails or wine at your coffee bar, you may need this coverage. It helps protect your small business in case you are accused of negligence, or over serving a client who caused bodily injury or property damage. It also cover legal costs up to coverage limits.
Equipment breakdown coverage
Equipment breakdown insurance serves to safeguard you from losses caused by mechanical problems. If you own a café you are most likely using high-quality equipment like high-end espresso machines, drip coffee makers, industrial coffee (espresso) grinders, coffee brewers, commercial grade oven, commercial bar blenders, fridges and freezer, etc. Consider protecting your special equipment with a comprehensive policy designed specifically for them.
Food spoilage & food contamination
When you operate a cafeteria, losing perishable drink or food items can cause serious loss of funds and even jeopardize your reputation which can slow down and damage your business growth. Food spoilage and contamination coverage aids in reimbursing the expenses of lost beverages and food due to certain risks (power outage, equipment breakdown, mechanical breakdown). Furthermore, it can help replace lost inventory (such as coffee, milk, pastry, etc.), and pay for the equipment cleaning or medical tests after the food contamination outbreak.
Product liability insurance
Product liability insurance is another coverage that will save you from client’s claims that a hot beverage or another item you made or sold caused bodily injury or property damage. For example, you may mistakenly use spoiled cream or unintentionally sell expired food, and the customer can get ill. This coverage reimburses medical bills and legal fees. You can either purchase it as a standalone policy or as a part of general liability.
Employee dishonesty coverage
Employee dishonesty coverage, also known as crime coverage, protects you if an employee steals from your coffee shop. If there is a direct physical loss to your cafeteria’s property due to your employees’ dishonest acts, this coverage will help pay for the losses and mitigate the risks. It shields you from the most frequent types of employee dishonesty (credit card fraud, theft, forgery, embezzlement, and similar criminal activities) by.
Cyber liability insurance
This coverage is recommended for any businesses that store client information such as PII (Personally identifiable information). For instance, you might have loyalty or reward program in your café, so you keep customers’ names, phone numbers, and addresses online. Cyber liability insurance is essential as it helps you quickly recover from hackers, cyber-attacks, data breach damages, identity theft, online crime, etc.
Employment practices liability insurance
EPLI insurance protects you from employee claims that their legal rights have been violated. This coverage offers protection against a number of claims, such as wrongful termination, sexual harassment, discrimination (based on sex, race, religion, age, disability), breach of employment contract, wrongful discipline, deprivation of career opportunity, and so on. Optionally, you may include coverage against claims from other people, too, such as vendors, clients, or business partners.
Discover Why We’re the Best Insurance Agency for Cafes in San Diego
Ensuring a secure and pleasant experience for customers is a priority for every facility in the food and beverage industry, including cafeterias, eateries, and tea rooms. The right type of insurance at affordable rate will mitigate a lot of risks in relation to this industry.
H&M independent agents are experienced and skilled at customizing the best possible insurance package for your specific requirements. With full knowledge of local, state’s and national insurance market trends, economy, laws, regulations, and ordinances, you can rely on us to be your trusted partners.
- Boutique-style, highly personalized approach
- One-stop shop for a range of products
- 50 years of industry experience
- Licensed and authorized to sell eminent insurers’ products
- Free, no-obligation quotes; affordable rates
- Well-respected agency specializing in San Diego & California market
Get A Free Insurance Quote for Your Coffee Shop in San Diego Today!
An adequate insurance policy for your small café business minimizes stress and gives you peace of mind, knowing every business risk is covered. There’s no denying that operating a profitable coffee shop is not easy, but you can make it at least somewhat easier by obtaining the right public liability insurance for coffee shops. If you are ready to add a rock-solid layer of protection, fill out the form or give us a call at (619) 296-0005 for a free quote.
Commonly Asked Questions
The cost of coffee shop business insurance varies based on several factors including the size of your shop, type (coffee shop, tea house, boba shop, etc.), location, revenue, the amount of coverage, etc. Premium rates can range from a few hundred to several thousand dollar. For more information on prices, contact your insurance agency.
If you want to lower the rates of your coffee shop insurance premium, try implementing the following: have adequate fire protection (Ansul kitchen systems, fire extinguishers, sprinkling systems, smoke alarms), educate the employees on safety protocols, introduce risk prevention procedures.
Different types of coffee establishments have different insurance needs. Here are some examples.
Coffee shop with bakery typically has more foot traffic and needs a more comprehensive coverage to protect itself against food-related incidents, falls, slips, special bakery equipment, and so on.
Specialty roasteries should at least have commercial property coverage, general liability, product liability, equipment coverage, and worker’s compensation (if you have employees).
Coffee stands and food trucks should at least obtain general liability, commercial auto insurance, food contamination, worker’s compensation, and employee dishonesty coverage.
For assistance and expert guidance speak to your insurance provider.