Workers’ Compensation Insurance
Protection That Takes Care of Your Baristas & Brewing Team
Running a coffee shop means putting people first — and Workers’ Compensation Insurance ensures your employees are protected when accidents or injuries happen on the job.
About Us
Expert Insurance for Coffee Shops & Cafés
0
+
Year Experience
Join Our Journey Now
From bustling drive-thrus to cozy neighborhood cafés, we understand what keeps your business moving — your team. Our specialized Workers’ Compensation coverage ensures baristas, cashiers, and kitchen staff are financially supported if they face a work-related injury or illness.
The Service
Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Aenean commodo.
SPACEHUB
The Best Café Insurance Protection
Your coffee shop is more than a business — it’s a community space. We provide top-quality coverage that supports your growth and keeps risk away from your espresso bar.
Business Owner’s Policy (BOP)
A cost-effective bundled policy combining property insurance and general liability insurance. It protects your café from fire, equipment breakdowns, vandalism, and customer injury claims — ensuring nothing interrupts your business flow.
General Liability Insurance
If a customer slips on a wet floor or gets burned by a hot drink, you could face lawsuits. General liability protects you from costly claims involving bodily injury, property damage, or legal action, keeping your reputation strong and your finances secure.
Workers’ Compensation
Hot surfaces, spills, and constant motion increase the risk of workplace injuries. Workers’ comp coverage pays for medical bills, lost wages, and recovery support if your baristas or kitchen staff get hurt on the job — helping both your workers and your bottom line.
Why Coffee Shops Need It
Coffee shops must meet legal safety standards — and most states require Workers’ Compensation if you employ even one worker. Without it, a single injury claim could threaten your finances and reputation.
Typical café workplace hazards include:
• Steam burns from espresso machines
• Slip-and-fall accidents around beverage stations
• Cuts from food prep equipment
• Back and shoulder strain from lifting heavy bags
• Hot liquid spills causing scalding injuries
What Does Workers’ Compensation Cover?
✔ Medical care for workplace injuries or illnesses
✔ Partial wage replacement during recovery
✔ Rehabilitation and therapy services
✔ Disability benefits in serious cases
✔ Financial support for dependents if a fatal injury occurs
✔ Employer liability protection from certain lawsuits
Workers’ Compensation Insurance for Coffee Shops
Keeping Your Team Safe — So Your Business Can Keep Brewing
In every coffee shop, employees work in a fast-paced environment with hot beverages, sharp tools, slippery floors, and heavy supply boxes. Even with the best safety practices, accidents can happen — and that’s where Workers’ Compensation Insurance becomes essential. It provides protection for your staff if they get injured or sick due to their job, while also shielding your business from costly legal and medical expenses.
FAQ
Frequently Ask Questions.
Studios face risks like equipment loss, copyright disputes, and on-set injuries. Insurance protects your business from these financial setbacks.
A BOP includes General Liability, Property Insurance, and Business Interruption coverage — bundled to save costs.
Yes, any business with employees must carry Workers’ Compensation coverage by law.
Absolutely. We tailor your coverage based on your studio’s size, projects, and risks.