Cafe Insurance [Updated 2023]: Best Business Coverage - Huckleberry

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Coffee shop insurance

If you’re a coffee shop owner, it’s your job to keep your community moving (and shaking). The last thing you want to think about is the financial fallout you could face if disaster befalls your café. What if a barista scalds herself on the espresso machine while on the clock? Or a customer slips and falls on a wet floor? Not to mention any property damage or vandalism that could strike when you least expect it.

Getting the right small business insurance coverage that protects you against all of these scary hypotheticals doesn’t have to be a painful process. Huckleberry is here to get you a competitively priced, comprehensive coffee shop business insurance policy. Keep your café afloat and secure a policy at prices so low you’ll jump, java, and wail.

Most common types of small business insurance for coffee shops

Workers' Compensation

Covers any of your employees’ medical expenses or lost income due to a work-related injury or illness.

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Business Owner's Policy

Also known as a BOP. Encompasses a general liability policy, business property coverage, business interruption coverage, and more.

General Liability

Applies if and when your business is sued by a third party (say, for bodily injury to a customer).

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Business Property

Protects your coffee shop and anything inside it in the event of unforeseen property damage.

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Business Interruption

Supplements lost business income if you have to suspend business operations temporarily for any reason.

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How much does coffee shop insurance cost for Huckleberry customers?

No need to worry about your coffee shop insurance prices. It won’t cost much more than...well, a few cups of coffee! Cafe owners who got insurance through Huckleberry have secured plans as low as $43 per month for workers’ compensation and $45 per month for a Business Owner’s Policy.

Coffee shop insurance policy Q&A

Workers’ compensation insurance covers an employee’s work related injury- or illness-related medical bills or loss of income–and it’s legally mandated in most states. Meanwhile, a Business Owner’s Policy involves commercial general liability insurance, business property insurance, business interruption insurance, and more—it’s a must for any serious business owner.

Don't take our word for it

Kevin P.

We now have Huckleberry and will be saving hundreds of dollars this coming year due to them and their service.

Veronica Gerhart

Making the transition from State Fund to Huckleberry has been a very easy transition. I was not too sure if this change was the correct move. But after I reviewed both policies, I realized that Huckleberry was a better choice for me.

Amy Cho

We got instant quotes and immediate responses which we super appreciated because were under such a time crunch for it. On top of it all, it is super affordable

Gilbert Walz

quick and courteous service at the right price.

Justin Lewis

Huckleberry not only succeeded at finding a policy they have exceeded my expectations. They provided a quote in a few hours where other broker's struggle to gather all the necessary information.

CJ Blancett

What a GREAT and pain-free experience! I will recommend this company to every contractor I know!!!

Lucy Balyan

Very good customer service. Just a monthly payment, no extra fees, no large down payments.

Steve Booth

Just a very clean and simple interface, and terrific customer service. Could not have been easier and the price was great!

Liz Frome

I needed help and they were on top of it and handled things with ease! I would highly recommend them!

What's better about Huckleberry

Traditional agencies

Get coverage in 5 minutes

It can take days to get coverage

Multiple carrier quotes, side by side — you choose

Can present you with their best option — not your best option

Backed by Paychex and A-rated carriers

Depends on individual agent relationships

Buy online without back-and-forth

Requires multiple calls with your agent

Talk to real people when you need help

Limited availability, agent-dependent

See what's covered and what's not—upfront

Coverage details buried in policy documents

Get a quote in five minutes.

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