Umbrella Liability Insurance
Owning and operating a coffee shop comes with many risks—whether it’s customer injuries, property damage, or unexpected lawsuits
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Expert Insurance for Coffee Shops & Cafés
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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.
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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.
Protect Your Coffee Shop with a Business Ownership Policy
A Business Ownership Policy is one of the most important types of coverage for coffee shop owners. This policy offers financial protection for your coffee shop’s physical assets, including equipment, inventory, and the building itself. Whether you own or lease the property, this policy safeguards your business from financial loss in case of events like fire, theft, or natural disasters. Coffee shops often rely heavily on specialized equipment, such as espresso machines, ovens, and grinders, which can be expensive to replace. A Business Ownership Policy ensures that your coffee shop is financially protected from the unexpected, covering the repair or replacement of these critical assets.
Workers' Compensation: Ensuring Employee Safety and Protection
Workers’ Compensation Insurance is essential for coffee shops that employ staff. This coverage provides financial protection for employees who suffer work-related injuries or illnesses. The coffee shop environment can be risky, with employees frequently using hot equipment, handling heavy items, or working on slippery floors. Whether it’s a burn from an espresso machine, a slip on a wet floor, or repetitive strain injuries, Workers’ Compensation ensures that employees who are injured on the job receive the medical care and wage replacement they need while they recover.
General Liability Insurance: Safeguarding Your Coffee Shop’s Reputation
General Liability Insurance is one of the most important types of coverage for coffee shops, providing protection from claims of bodily injury, property damage, and other accidents that may occur on your premises. Accidents can happen at any time, whether it’s a customer slipping and falling on a wet floor, a patron injuring themselves with a piece of equipment, or damage caused to a customer’s property while at your coffee shop. General Liability Insurance covers the costs associated with these types of incidents, including medical expenses, repair costs, legal fees, and settlements.
FAQ
Frequently Ask Questions.
Business Umbrella Liability Insurance provides additional coverage beyond the limits of your existing insurance policies, such as General Liability or Workers' Compensation. If a claim exceeds the coverage of your standard policy, the umbrella insurance kicks in to cover the remaining costs. For coffee shops, this type of coverage is valuable because it protects against large, unexpected claims that could otherwise bankrupt your business.
A Business Ownership Policy covers physical assets such as your coffee shop’s equipment, inventory, and building. It also provides protection against business interruption in the event of a disaster like fire or theft. This policy ensures that your coffee shop is financially protected in case of an emergency.
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.