Liquor Liability Insurance for Coffee Shops
For coffee shops that serve alcohol, Liquor Liability Insurance is a must-have coverage that protects your business from potential lawsuits and damages resulting from the service of alcoholic beverages.
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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 Ownership Policy
A Business Ownership Policy provides essential coverage for owners of coffee shops, covering the physical assets of the business such as the building, equipment, inventory, and furnishings. This policy is particularly important for coffee shops, where the equipment (such as espresso machines, coffee grinders, ovens, etc.) plays a critical role in daily operations. If something happens to these assets—whether through theft, fire, or other unforeseen events—a Business Ownership Policy ensures that you can recover the cost of repairs or replacements, allowing you to continue business operations without significant financial setbacks.
Workers' Compensation
In any coffee shop, the safety and well-being of your staff is paramount. Workers’ Compensation Insurance is designed to provide coverage for employees who are injured or become ill while working. Coffee shops can be fast-paced environments with inherent risks, including burns, slips, falls, and repetitive strain injuries. Workers’ Compensation Insurance helps cover medical expenses for employees who get injured on the job and provides compensation for lost wages during their recovery.
General Liability Insurance
Every business, including coffee shops, faces risks related to accidents, customer injuries, and property damage. General Liability Insurance is designed to protect your coffee shop from claims involving bodily injury or property damage that occur on your premises or as a result of your business operations. For example, if a customer slips and falls in your café or if a customer’s property is accidentally damaged while in your shop, General Liability Insurance covers the costs of medical expenses, repairs, or replacements, as well as any legal fees associated with defending your business in a lawsuit.
FAQ
Frequently Ask Questions.
Studios face risks like equipment loss, copyright disputes, and on-set injuries. Insurance protects your business from these financial setbacks.
A BOP includes General Liability, Property Insurance, and Business Interruption coverage — bundled to save costs.
Yes, any business with employees must carry Workers’ Compensation coverage by law.
Absolutely. We tailor your coverage based on your studio’s size, projects, and risks.