Cafe and Coffee Shop Insurance

The nature of running a cafe comes with risks for you, your customers and your bank account, so it’s important to get fully insured against these risks.  

• A customer gets food poisoning from food you’ve served. 
• Accidental fires caused by fryers, ovens or hobs. 
• A customer slips on a greasy floor and injures themselves.

If you have any employees or any volunteers, you need to take out employers' liability insurance by law. 

We can help insure all types of cafes, including: 

• Standard cafes and coffee shops 
• Delis  
• Sandwich shops/bars  
• Bistros  
• Beer cafe  
• Tea rooms

Can’t see your cafe type? It’s likely we can still help you. Start a quote online to get started. 

Prices could start from around 98p per day*.

The cost of your annual cafe insurance varies based on several factors unique to your business. Costs are based on: 

• The insurer you choose 
• The level of coverage you need 
• Where your business is located 
• Business size 
• Claims history 

The cost of cafe insurance can be different for every business because no two cafes are exactly the same. A small takeaway coffee shop may pay less than a bustling city centre cafe with seating, kitchen facilities and several staff members. 

Cafes with good health and safety practices, clean kitchens and fewer past claims may pay less. If your business has had any previous claims, your cafe insurance cost may be higher because some insurers may see your business as more of a risk. 

Every cafe is different, so the best way to understand how much you’ll pay is to compare quotes from a panel. To find out your exact cafe insurance costs, speak to a member of our UK-based insurance team. 

_{*This price is for a cafe or coffee shop customer  – 10% of customers who were sold with one of our panel providers paid £355.48 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £29.62 a month or £0.98 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary based on your business requirements.}

To try and get a lower cafe insurance quote, it helps to show insurers that your premises are well run and low risk. Here are some simple steps that could help reduce your cafe insurance quote: 

• Keep kitchens clean and safe 
• Train staff properly 
• Look after your equipment 
• Prevent accidents 
• Record incidents 
• Compare insurance quotes 
• Check and review your cover regularly 
• Choose a comprehensive cafe insurance package 

At Bionic, we support and champion UK business owners and want to help in every way we can. We work with a panel of insures, providing many different types of cover that can be tailored to the exact needs of your cafe or coffee shop.  

We focus on getting you the right cover, ensuring you are properly protected by comparing business insurance quotes to find one that fits.