Commercial Auto Insurance for Coffee Shop Deliveries
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.
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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.
The Service
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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 Owner’s Policy (BOP) — Smart Protection for Coffee Shops
A Business Owner’s Policy gives coffee business owners a convenient, bundled protection plan that covers everyday business needs. It combines both property and liability insurance while supporting income if an unexpected event forces your coffee shop to pause operations. For cafés with delivery services, a BOP ensures that your physical shop, equipment, and financial wellbeing stay secure even when delivery vehicle issues or roadside incidents create disruptions. It’s a foundational policy that keeps your business stable, affordable, and protected under one reliable plan
General Liability Insurance — Protection Beyond the Roads
General Liability Insurance is essential for every coffee shop, especially when deliveries increase exposure to customers and public property. Whether a delivery driver accidentally spills a hot drink causing injury to a customer, scratches a client’s vehicle during an exchange, or is blamed for damage during drop-off, liability coverage ensures your business is financially protected. It pays for medical costs, legal fees, and settlements when someone claims injury or property damage caused by your operations. With this coverage, your brand reputation remains strong—even when unpredictable issues arise.
Workers’ Compensation — Supporting Your Drivers & Café Staff
Your delivery drivers, just like your baristas, deserve protection if they experience a workplace injury. Workers’ Compensation ensures employees have access to medical treatment and wage support while recovering from incidents such as road-related injuries, lifting heavy items, or slips during hand-off. It also safeguards your business from costly legal claims that can follow a workplace accident. With Workers’ Compensation in place, your entire team stays protected, motivated, and confident — knowing their wellbeing matters every step of the way.
FAQ
Frequently Ask Questions.
Yes! We can include non-owned auto coverage for employees who use their own vehicle to make deliveries.
Most states require commercial auto coverage for company vehicles — and delivery operations can require additional protection.
Not automatically — a commercial auto policy is added separately because delivery risks are unique and more complex.
Absolutely. We tailor your coverage based on your studio’s size, projects, and risks.