Your coffee shop should be covered by a range of protection types:
- General Liability Insurance – for customer slips, hot coffee spills, or property damage.
- Commercial Property Insurance – protects your shop’s furniture, espresso machines, and inventory.
- Product Liability Insurance – covers claims tied to foodborne illness or spoiled food, a common risk in food establishments.
- Business Interruption Insurance – replaces lost income when unexpected events force you to close temporarily.
- Workers’ Compensation Insurance – required if you employ anyone.
