Equipment Breakdown Insurance for Coffee Shops
Running a coffee shop requires heavy reliance on specialized equipment such as espresso machines, grinders, ovens, refrigerators, and more
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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.
Business Ownership Policy
A Business Ownership Policy is crucial for any coffee shop owner as it covers the tangible assets necessary for your business to run smoothly. This type of insurance provides coverage for your coffee shop’s building, equipment, inventory, and other physical assets in case of damage or loss due to unexpected events like fire, theft, or natural disasters. Coffee shops depend on expensive equipment such as espresso machines, grinders, and refrigerators, which can be costly to repair or replace if damaged. A Business Ownership Policy ensures that you can repair or replace these critical items without bearing the financial burden yourself.
Workers' Compensation
Workers’ Compensation Insurance is an essential policy for any coffee shop that employs staff. Whether you have baristas, waitstaff, or cleaning crew, Workers’ Compensation Insurance provides coverage in the event that an employee is injured while performing their job duties. Coffee shops can present a variety of risks, such as hot surfaces, slippery floors, and lifting heavy objects. If an employee is injured on the job, this policy helps cover medical expenses, lost wages, and rehabilitation costs, enabling your staff to recover while protecting your business from potential lawsuits.
General Liability Insurance for Coffee Shops
General Liability Insurance is one of the most important policies for a coffee shop. It protects your business against a wide range of risks, including customer injuries, property damage, and even legal claims that may arise due to your business operations. Whether it’s a customer slipping and falling on a wet floor or property damage caused by a barista’s mistake, General Liability Insurance covers the expenses associated with these incidents, including medical bills, legal costs, and damages.
FAQ
Frequently Ask Questions.
Coffee shops rely on specialized equipment to prepare drinks and serve customers efficiently. If your espresso machine, refrigerator, or other essential equipment breaks down unexpectedly, it could halt your operations and lead to significant revenue loss. Equipment Breakdown Insurance covers repair or replacement costs, as well as any income loss due to equipment downtime.
A Business Ownership Policy provides coverage for your coffee shop’s physical assets, such as the building, equipment, and inventory. It can protect you from damage due to fire, theft, or other unexpected events. Additionally, it can cover income loss if your shop needs to close temporarily due to a covered event.
Yes, Workers' Compensation Insurance is legally required in many states for coffee shops with employees. This coverage protects your business and employees if they are injured while working. It helps cover medical expenses, lost wages, and rehabilitation costs, and also protects you from legal claims related to workplace injuries.
Absolutely. We tailor your coverage based on your studio’s size, projects, and risks.