General Liability Insurance
Essential protection for everyday café risks — keep your customers safe and your business secure.
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Expert Insurance for Coffee Shops & Cafés
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As a coffee shop owner, you welcome customers into a busy environment filled with hot beverages, food service, and constant activity. Even with excellent safety measures, unexpected accidents and claims can occur. General Liability Insurance provides financial protection when a customer or visitor is injured, or their property is damaged due to your business operations.
This coverage is one of the most important foundations of your insurance plan — helping preserve your reputation, finances, and peace of mind.
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.
What General Liability Covers
General Liability Insurance typically includes:
✔ Customer injuries (slip-and-fall accidents, burns from hot coffee)
✔ Property damage caused to someone else’s belongings
✔ Legal defense costs if a claim leads to a lawsuit
✔ Medical payments for injured third parties
✔ Advertising mistakes or reputational harm claims
These protect your coffee business from sudden, expensive financial setbacks.
Common Coffee Shop Risks
Everyday coffee operations come with unique risks, including:
• Spilled lattes causing slip hazards
• Scalding drinks accidentally burned onto a customer
• Chairs or furniture causing injury
• Damage to a delivery client’s property during catering
• Allegations of foodborne illness
• Social media promotions accidentally infringing on others’ rights
General Liability Insurance ensures incidents like these don’t turn into costly financial losses.
Our Insurance Advantage
We understand the specific needs of coffee shops — from boutique cafés to large coffee franchises. We help tailor a policy that fits:
• Dining area layouts
• High-traffic rush hours
• Hot drink handling safety
• Catering and delivery exposure
Our support team handles claims quickly, so you can stay focused on serving customers.
FAQ
Frequently Ask Questions.
Not always, but most landlords and commercial leases require proof before renting a space.
No — employee injuries fall under Workers’ Compensation Insurance.
Yes — if a customer becomes sick from products you served, liability coverage may respond.
It can cover damages or injuries caused to others during off-site services. Commercial Auto may also be required.