Workers’ Compensation for Coffee Shops in California
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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Protecting Your Baristas & Your Business Every Day
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Running a coffee shop in California is fast-paced and people-focused. From hot drinks and kitchen equipment to slippery floors and customer interaction, your employees face risks daily.
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.
Why Workers’ Compensation is Essential for Coffee Shops
Your coffee shop team works closely with:
✔ Hot beverages & steam wands
✔ Ovens, grinders & commercial machines
✔ Rapid customer service
✔ Slippery or high-traffic floors
Business Ownership Policy
A Business Owner’s Policy combines property insurance and general liability insurance into one cost-effective package. It protects what you own—your espresso machines, furniture, signage, and décor—from:
Fire & smoke damage
Theft or vandalism
Water damage or equipment breakdown
Business interruption due to covered events
With a BOP, your coffee shop stays profitable even during unexpected downtime.
Workers’ Compensation Insurance for Coffee Shops
Workers’ Compensation protects both employer and employees by covering:
Work-related injuries & illnesses
Medical care & lost wages
Disability support
Employer legal defense against injury claims
It keeps your workforce confident and compliant with California labor laws, helping your business build trust, loyalty, and stability.
General Liability Insurance for Coffee Shops
Customers come and go all day—accidents can occur anytime. General Liability Insurance protects your business from claims involving:
Customer slips and falls
Burns from hot beverages
Third-party property damage
Accusations of negligence or advertising issues
This coverage prevents lawsuits from turning into financial disasters
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.