Tailor our retail insurance to fit your café

Running a café is a busy and time-consuming task, so finding the best business insurance is probably the last thing on your mind. Luckily, our café insurance is simple to compare and buy. We offer retail insurance quotes in minutes for any café, grand café, bistro, greasy spoon, or coffee shop.

Our insurance policies cater to your needs: in one simple policy add public liability insurance, employers' liability insurance for your (part time or full time) staff, and business premises cover. In addition to these essential covers, we offer specialist covers so you can tailor your business insurance policy to your individual needs.

Save up to £400 on your shop, restaurant, and pub insurance

Research shows that our customers can save up to £400* on their shop insurance, restaurant insurance, and pub insurance.  Trust us when it comes to getting insurance for your business. We'll help you online or over the phone with one of our insurance experts.

Why buy café insurance from Simply Business

• Simple: use our easy-to-follow quote form to create tailored quotes and buy online in minutes.
• Value: in most cases, we can give you a cheaper quote than others without sacrificing the level of cover.
• Efficient: arrange everything online or speak to one of our experienced insurance staff.
• Choice: we offer quotes from up to 5 business insurers. You can compare the policies in detail to ensure you make the right choice.
• Trust: we only offer insurance quotes from trusted insurance companies.

Building your café insurance policy

Public liability insurance for cafés - As the owner of a café, you are responsible for the welfare of the customers who walk into your premises. You therefore need public liability cover in case a member of the public is injured or their property damaged while in contact with your business.
Read more about our public liability insurance

Employers' liability insurance for cafés- If you have staff, even part-time or temporary, you need to include employers' liability cover in your business insurance policy.  Simply Business makes it quick and simple to buy employers' liability cover for your staff.
Read more about our employers' liability insurance

Product liability insurance for cafés - Product liability cover is included in your café insurance policy when you add public liability cover. Because you work with (fresh) food, product liability insurance can protect you against claims such as food poisoning.
Read more about our product liability insurance

Business interruption insurance for cafés - When you take out café insurance for your business, consider adding business interruption cover. This cover will ensure that you do not lose all your income if you are forced to temporarily stop trading due to damage to your business premises or equipment. You will also need to include separate cover for your premises and equipment in your policy.

Café premises insurance- You can insure your premises against damage to the building from disasters such as fire and flood. If you rent your business space, you are unlikely to need buildings insurance, however you should contact your commercial landlord to make sure.
Read more about business buildings insurance

Fixtures & fittings (including tenants improvements) - If you make improvements to your café (kitchen, bar, seating area), our insurance policy will take these improvements into account.

Stock cover for cafés - If you keep stock on your premises, it is sensible to insure it separately from your contents insurance. The value of stock can run to thousands or tens of thousands of pounds, so if it was damaged, destroyed or stolen, your stock cover would pay the cost of replacements.

Loss of money cover for cafés - If your café is busy, it is likely to handle significant amounts of cash on a daily basis. Even if you are careful when you transport the money to the bank and store your cash in a safe, your hard-earned money could still be stolen or go missing. Our loss of money insurance will cover this loss.

Goods in transit cover - If you purchase your food, drinks, and ingredients at foodmarkets, the last thing you need is for those food purchases to be damaged or stolen before making it to your café. Our goods in transit insurance also covers deliveries and orders from your customers.

Details to look out for

• Make sure you read and understand the exclusions and excess on your policy before you buy.
• Employers have a legal responsibility to take out employers’ liability insurance. Failure to do so could result in a fine of up to £2,500 per day.
• If you rent your premises, check with your landlord to see if you need buildings insurance cover.

* Based on independent research (Curiosity) conducted in March 2010. Research matched the risk characteristics of pubs and takeaways sampled. Further details available on request.