Coffee shops are energetic spaces with hot beverages, slippery floors, large crowds, and daily interactions. General Liability Insurance protects your business when accidents occur, such as a customer slipping, getting burned, or experiencing damage to personal belongings while on your property. It also helps cover legal costs and settlements if someone files a claim against your business. This level of protection allows you to welcome customers with confidence every day.
Business Owner’s Policy (BOP) Insurance
Running a café takes passion — and the right protection. A Business Owner’s Policy (BOP) bundles essential coverage into one affordable plan built specifically for coffee shops, cafés, and coffee carts.
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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 Owners Policy (BOP) — Complete Protection for Your Coffee Business
A Business Owner’s Policy covers your physical coffee shop location and everything inside it, including espresso machines, brewing systems, seating, décor, point-of-sale systems, and food or beverage inventory. It protects against common risks such as fire, theft, vandalism, water damage, and more, helping you recover quickly without major financial burden.
Additionally, a BOP includes business interruption insurance, which steps in if your café is temporarily unable to operate after a covered loss. Instead of worrying about lost revenue, you can rely on your insurance to help cover rent, payroll, and operational expenses while your business is being restored. With a BOP, your livelihood stays protected — even during unexpected shutdowns.
Workers’ Compensation Insurance — Safeguarding Your Team
Your baristas work hard, handling hot equipment, steaming machines, and a fast-paced, hands-on environment. Workers’ Compensation Insurance ensures your employees receive financial and medical support if they experience a workplace injury or illness. From treatment costs to partial wage replacement during recovery, this coverage protects both your staff and your business from unexpected financial strain. When your workers feel taken care of, they can continue delivering outstanding customer service and delicious beverages
FAQ
Frequently Ask Questions.
It’s not required by law, but it provides vital protection that most landlords and lenders expect. It is strongly recommended for every café.
Yes. You can add extra coverages like Equipment Breakdown, Cyber Insurance, Liquor Liability, and more based on your café’s needs.
No. Workers’ Compensation is separate but can be added alongside your BOP for complete coverage.
Absolutely. We tailor your coverage based on your studio’s size, projects, and risks.