Property Insurance for Coffee Shops
Your café is more than a business — it’s your investment, your brand, and your community space. Our Property Insurance ensures that fire, theft, and accidental damage never stop you from serving what customers love most.
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Expert Insurance for Coffee Shops & Cafés
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The aroma of coffee, the comfort of your décor, and the power behind every espresso shot — your business depends on reliable equipment and a safe space. Property Insurance protects your shop’s building, equipment, furnishings, and inventory so you can keep operations running smoothly, even when the unexpected happens.
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)
All-In-One Protection for Growing Café Owners
A Business Owner’s Policy combines Property Insurance and General Liability into one affordable package — ideal for independently owned coffee shops and café franchises.
✅ Covers building / tenant improvements
✅ Protects espresso machines, grinders, fridges & POS systems
✅ Includes lost income if you must shut down temporarily
A smart bundle that keeps your café brewing without financial stress.
General Liability Insurance
Safeguarding Your Customer Interactions
Hot coffee spills, slippery floors, and damaged belongings can lead to costly claims. General Liability protects your business from third-party injuries and property damage inside your café, on your patio, or during deliveries.
✅ Slip-and-fall injury claims
✅ Customer property damage
✅ Legal defense and settlements
Stay worry-free while keeping guests happy and comf
Workers’ Compensation Insurance
Support for the People Behind the Counter
Your staff works around hot equipment, heavy items, and quick service demands — accidents can happen. Workers’ Compensation Insurance protects both your employees and your business.
✅ Medical care for workplace injuries
✅ Wage support during recovery
✅ Employer legal protection
FAQ
Frequently Ask Questions.
Yes — equipment used to operate your coffee shop is covered if damaged by covered events like fire, vandalism, or burst pipes.
Inventory such as beans, pastries, and packaged goods can be covered if damaged or spoiled due to a covered incident.
Many landlords require insurance before signing a lease — and it’s strongly recommended for financial protection.
It can! We offer a Business Interruption add-on to replace lost income while repairs are made.