Coffee shops face daily risks like hot beverage burns, slip-and-fall accidents, food contamination, equipment breakdowns, and employee injuries. Insurance protects you from expensive claims and keeps your business running smoothly.

Yes. If your coffee shop has employees, most states legally require Workers’ Compensation to cover workplace injuries and lost wages.

It covers third-party bodily injury, property damage, and legal defense costs — for example, if a customer slips on a wet floor or is burned by a spilled drink.