Insurance for cafés

Tailored cover for cafés, bistros and tea rooms

From tea & coffee shop to bistro, greasy spoon to the village hub, a busy café carries risks. With Simply Business you can build a policy that takes care of the uncertainty, leaving you free to get on with business. Even if you’re forced to close temporarily, there’s cover available to tide you over. Whether you work on your own or employ people, it’s quick, quality cover, all in one policy.

Public liability insurance

As the owner of a café, you’re responsible for the welfare of every customer or visitor. That puts public liability cover right at the top of your priorities list. It’ll keep you covered if a member of the public is injured or their property damaged while in contact with your business.

The average insurance claim for cafés is £3,792 – could you afford this if the worst happened? (Average claim being £3,792. Based on data from 21 November 2018 - 20 November 2019, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

Employers' liability insurance

If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

Product liability insurance

Because you work with food – often fresh – product liability cover can be an important safeguard against claims for things like food poisoning. We’ll include this cover in your café insurance policy when you add protection for public liability.

Business interruption insurance

If you’re unable to trade, for example because of fire or flood, business interruption insurance covers you against revenue lost during this period. This cover can be an important way to ensure that your business remains stable, even when the crisis is unexpected. Just make sure you include separate cover for your premises and equipment in your policy.

Café premises insurance

With business premises insurance, you can insure your shop or café buildings against damage from unexpected crises, such as fire and flood. If you rent your business space, you’re unlikely to need buildings insurance – but contact your commercial landlord to make sure.

Stock insurance

If you keep stock on your premises, it’s 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 café’s stock cover would help to pay the cost of replacements.

Loss of money insurance

Even if you’re careful when transporting money to the bank – or putting it in a safe – hard-earned cash often goes missing. Our loss of money insurance will help keep you covered – just make sure you add this option when you apply.

Goods in transit insurance

If you source your food, drinks, and ingredients at markets, the last thing you need is for your purchases to be damaged or stolen on your way back. Our goods in transit insurance covers this risk, plus your customer orders and deliveries.