Coffee shop insurance
If you’re a coffee shop owner, it’s your job to keep your community moving (and shaking). The last thing you want to think about is the financial fallout you could face if disaster befalls your café. What if a barista scalds herself on the espresso machine while on the clock? Or a customer slips and falls on a wet floor? Not to mention any property damage or vandalism that could strike when you least expect it.
Getting the right small business insurance coverage that protects you against all of these scary hypotheticals doesn’t have to be a painful process. Huckleberry is here to get you a competitively priced, comprehensive coffee shop business insurance policy. Keep your café afloat and secure a policy at prices so low you’ll jump, java, and wail.
Most common types of small business insurance for coffee shops
Covers any of your employees’ medical expenses or lost income due to a work-related injury or illness.
Also known as a BOP. Encompasses a general liability policy, business property coverage, business interruption coverage, and more.
Applies if and when your business is sued by a third party (say, for bodily injury to a customer).
Protects your coffee shop and anything inside it in the event of unforeseen property damage.
Supplements lost business income if you have to suspend business operations temporarily for any reason.
How much does coffee shop insurance cost for Huckleberry customers?
No need to worry about your coffee shop insurance prices. It won’t cost much more than...well, a few cups of coffee! Cafe owners who got insurance through Huckleberry have secured plans as low as $43 per month for workers’ compensation and $45 per month for a Business Owner’s Policy.
Coffee shop insurance policy Q&A
Different types of businesses require different types of insurance. Your business needs won’t be the same as a fine-dining restaurant’s or even those of another cafe down the block. To start with, you’ll probably need a workers’ compensation policy and a Business Owner’s Policy.
Workers’ compensation insurance covers an employee’s work related injury- or illness-related medical bills or loss of income–and it’s legally mandated in most states. Meanwhile, a Business Owner’s Policy involves commercial general liability insurance, business property insurance, business interruption insurance, and more—it’s a must for any serious business owner.
Huckleberry customers: you can send an unlimited number of Certificates of Insurance to any email addresses of your choosing. Just head over to our Certificates of Insurance page to access your digital copy. The entire process is 100% free.
Get a free insurance quote from Huckleberry.com today and save big on your business insurance costs, from workers’ compensation to liability coverage. Get a policy in minutes, 100% free and 100% online.
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