# **Buy affordable coffee shop insurance online in less than 5 minutes** ## Instant coverage. No-commitment quote. ## 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](/content/small-business-insurance/index.html) 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](/content/small-business-insurance/workers-compensation/index.html) Covers any of your employees’ medical expenses or lost income due to a work-related injury or illness. Get a quote [Learn more _arrow_forward_](/content/small-business-insurance/workers-compensation/index.html) #### [Business Owner's Policy](/content/small-business-insurance/business-owners-policy/index.html) Also known as a BOP. Encompasses a general liability policy, business property coverage, business interruption coverage, and more. #### [General Liability](/content/small-business-insurance/general-liability/index.html) Applies if and when your business is sued by a third party (say, for bodily injury to a customer). Get a quote [Learn more _arrow_forward_](/content/small-business-insurance/general-liability/index.html) #### [Business Property](/content/small-business-insurance/business-property/index.html) Protects your coffee shop and anything inside it in the event of unforeseen property damage. Get a quote [Learn more _arrow_forward_](/content/small-business-insurance/business-property/index.html) #### [Business Interruption](/content/small-business-insurance/business-interruption/index.html) Supplements lost business income if you have to suspend business operations temporarily for any reason. Get a quote [Learn more _arrow_forward_](/content/small-business-insurance/business-interruption/index.html) Get a quote [Learn more _arrow_forward_](/content/small-business-insurance/business-owners-policy/index.html) ## 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** - What does coffee shop insurance cover? Different types of businesses require different types of insurance. Your business needs won’t be the same as a fine-dining restaurant’s or even those of another cafe down the block. To start with, you’ll probably need a workers’ compensation policy and a Business Owner’s Policy. 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. - I need a Certificate of Insurance. How do I get it, and does it cost extra? Huckleberry customers: you can send an unlimited number of [Certificates of Insurance](/content/certificate/index.html) to any email addresses of your choosing. Just head over to our [Certificates of Insurance](/content/certificate/index.html) page to access your digital copy. The entire process is 100% free. - What is Huckleberry Insurance? Get a free insurance quote from [Huckleberry.com](/content/site-root.html) today and save big on your business insurance costs, from workers’ compensation to liability coverage. Get a policy in minutes, 100% free and 100% online. ## Don't take our word for it Kevin P. - _star_ - _star_ - _star_ - _star_ - _star_ We now have Huckleberry and will be saving hundreds of dollars this coming year due to them and their service. Veronica Gerhart - _star_ - _star_ - _star_ - _star_ - _star_ 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 - _star_ - _star_ - _star_ - _star_ - _star_ 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 - _star_ - _star_ - _star_ - _star_ - _star_ quick and courteous service at the right price. Justin Lewis - _star_ - _star_ - _star_ - _star_ - _star_ 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 - _star_ - _star_ - _star_ - _star_ - _star_ What a GREAT and pain-free experience! I will recommend this company to every contractor I know!!! Lucy Balyan - _star_ - _star_ - _star_ - _star_ - _star_ Very good customer service. Just a monthly payment, no extra fees, no large down payments. Steve Booth - _star_ - _star_ - _star_ - _star_ - _star_ Just a very clean and simple interface, and terrific customer service. Could not have been easier and the price was great! Liz Frome - _star_ - _star_ - _star_ - _star_ - _star_ 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. Everything's online. Everything's easy. Tap the button to get started. Instant Estimate