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Café Claims Guide: What to Do When a Customer Burns Themselves & More
Running a café or coffee shop in the UK can involve managing day-to-day risks, from serving hot drinks to maintaining a safe and accessible space.…
Cafe & Coffee ShopInsurance
Cafe & Coffee Shop Insurance
Simple cover for cafés and coffee shops, public liability, employers’ liability and stock, without the overhead of a full restaurant policy.
Simple cover for cafés and coffee shops, public liability, employers’ liability and stock, without the overhead of a full restaurant policy.
Coffee machinesFridges & equipmentFood served
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is café & coffee shop insurance?
Café insurance helps protect your business from the costs of customer injury, equipment breakdown and staff claims, typically lighter cover than a full kitchen restaurant needs.
One policy. Lower risk than a full kitchen, but still real. A hot drinks machine, a busy counter and customers coming and going all day bring their own everyday risks.
The right café cover depends on:
Your type of caféPremises and locationNumber of employeesHot drinks and light cookingStock and food suppliesCustomer seating
Cover that fits the way your café works
Cover that fits the way your café works
Lighter cooking, less equipment, but customers on site all day.
Lighter cooking, less equipment, but customers on site all day.
RecommendedPublic Liability
Protection if a customer or member of the public is injured or their property is damaged.
RecommendedEmployers’ Liability
Cover for claims involving employees injured at work.
RecommendedProperty & Contents
Protection for your premises, coffee machines and fittings.
RecommendedBusiness Interruption
Support for loss of income following a fire, flood or closure.
OptionalStock & Equipment
Cover for eligible stock, coffee equipment and refrigeration.
OptionalProduct Liability
Protection against claims arising from food or drink you’ve served.
How much does café insurance cost?
There’s no fixed price. It depends on your café type, whether you use a fryer or grill, your staff numbers and your claims history.
Type of café
A light-bites café carries less risk than one cooking hot food.
Level of cover
Adding product liability or a higher limit increases your premium.
Number of staff
More employees increase your employers’ liability exposure.
Equipment value
Coffee machines and kitchen kit affect your contents premium.
Cooking equipment
A fryer or grill increases fire risk compared to hot drinks alone.
Claims history
A clean claims record helps keep premiums down at renewal.
How the quote process works
How the quote process works
Getting café insurance takes four steps: tell us about your café, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting café insurance takes four steps: tell us about your café, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
1
Tell us about your café
Your premises, staff and what you serve.
2
Tell us what you need
Which covers matter most to you.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Café insurance guides
Café insurance guides
Coffee machines, seating areas and keeping a café open after a setback.
Coffee machines, seating areas and keeping a café open after a setback.
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Café & Coffee Shop Insurance UK: Essential Covers from Public Liability to Equipment
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Café Equipment & Stock Insurance: Avoiding Hidden Risks in Kitchen & Display Cases
Running a café or coffee shop in the UK often involves managing valuable equipment and holding high volumes of perishable stock. Kitchens, display…
Café insurance FAQs
Café insurance FAQs
Straight answers on cover, equipment and cost.
Straight answers on cover, equipment and cost.
Café and coffee shop insurance is a combination of covers built around a smaller food and drink business: public liability for customer injury, employers’ liability if you have staff, and cover for stock and equipment.
Still have questions?
Our advisers are here to help you find the right solution.
Related venues we cover
Related venues we cover
Cafés share food, equipment and customer risks with these businesses, and each has its own cover needs.
Cafés share food, equipment and customer risks with these businesses, and each has its own cover needs.
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Restaurant Insurance
Full kitchen operations with higher fire and food risk.
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Takeaway Insurance
Food preparation with delivery and collection exposure.
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Bakery Insurance
Ovens, early starts and fresh produce with short shelf life.
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Soft Play Insurance
Indoor play centres, often with a café serving families on site.