Café Insurance

Whether you’re running a vintage tearoom, a takeaway or a trendy spot for coffee aficionados, the risks and uncertainties of running a food and drink business  can be worrying. Café insurance can protect you from the cost of damage to your business and compensation costs, so you can focus on serving happy customers.  

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Lloyds Bank Business Insurance Services are arranged and administered by Arthur J. Gallagher Insurance Brokers Limited. When getting a quote online you will be taken to Gallagher’s online site with a new privacy and cookie policy.

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What does café insurance cover?

Café insurance can protect your business from the cost of damages, repairs, legal fees and other expenditure that you might have to face as a business owner. If you employ staff or there are 2 directors and no staff  at your tearoom, café or coffee shop, you are also legally required to have employers’ liability insurance.

Your policy can be made up of covers that suit you and your business:

Public Liability

A busy café may need public liability insurance. This cover can protect your business from legal costs and compensation if a customer is injured due to your negligence.

Employers’ Liability insurance

This can cover the cost of legal action and compensation for injuries to staff.  This type of insurance is a legal requirement for most  businesses with employees.

Buildings Insurance

If you own your business premises you’ll should consider buildings insurance. This can cover the costs of repairs to fixtures and fittings caused by an insured event.

Contents Insurance

Your equipment is the lifeblood of your business. After all, a broken espresso machine means no coffee for customers. This can provide cover for your equipment from damage, loss or theft.

Shop front cover

Your shop front is the face of your café. You’ll want to keep it looking good to attract new customers through the door. This can protect your shop front from damage costs, like repairing a broken door or window.

Business Interruption Insurance

Unforeseen circumstances, like flooding, fires or storm damage, can force you to close your doors. This can cover lost income if your business is closed due to an insured event.

Keep in mind

Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.

Talk to an insurance specialist

Call 0345 377 0002

Lines are open 9am-6pm. Monday to Friday, excluding Bank Holidays.

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How much does café insurance cost?

The cost of your café insurance premium will depend on a variety of factors:

  • The size of your business, including floor space and number of employees
  • The location of your building, e.g. close to a river
  • The value of your equipment, such as dishwashers, cookers and coffee machines
  • The danger of equipment, such as deep-fat fryers or espresso machines
  • How much cash you handle on site and where it is stored.

Why do I need café insurance?

The benefits of having café insurance cover include:

  • Protecting your staff – Employers’ Liability Insurance, which protects your staff should they injure themselves on site, is a legal requirement in the UK.
  • Cost of repairs – Cover the costs of fixing fittings and maintaining vital equipment if it’s damaged by an insured event.
  • Cover legal costs – Should a customer injure themselves in your café, they could bring a negligence claim to court. Café insurance can help pay any legal expenses you might incur.

What kind of food businesses need café insurance?

It’s not just cafes, coffee shops and tearooms that can benefit from café insurance protection.

Other food-related businesses that should consider café insurance include:

  • Bistros
  • Sandwich shops
  • Diners
  • Takeaways with no or small seating area
  • Pop-up food businesses, like ice cream stalls and burger trucks
  • Coffee shops.

Examples of café insurance claims

A customer could spill a hot cup of coffee and burn themselves. If they seek compensation, café insurance could help protect your business against the cost of legal fees and a settlement.

If an employee is injured during their working day due to your negligence, for example, they were to slip on a wet floor and hurt themselves. Employers’ liability insurance may cover this. There’s a break in and your equipment is damaged. You can claim for replacement items with your contents insurance.

Does café insurance cover stolen money?

If your takings are stolen, and you have taken out this optional cover, then it should be covered providing it was taken:

  • From your café or takeaway shop during business hours.
  • From your business premises during business hours.
  • While in transit
  • From a bank night safe
  • From a residential address (for a smaller amount)
  • While out of a safe, out of hours
  • While in a safe, out of hours
  • Not all insurers cover all of these.

Retrieve a quote

Log on to your account to retrieve your quote.

Get in touch

Call 0345 377 0002

Lines are open 9am-6pm Monday to Friday excluding Bank Holidays

Existing customers

Contact numbers for all your queries including details for making a claim.

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Telephone: 020 7626 1500

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.

Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.