Premiums from as little as:
Insurance for Cafés, Coffee Shops and Tea Rooms
- Customers typically save 35%* with us.
- Quotes from a panel of A-rated insurers. We'll search the market for you.
- Feefo Platinum Trusted Service Award winners.
Smei: Why Choose Us
Café businesses vary greatly, from tea rooms and coffee shops to bistros and that British institution, “the greasy spoon”. But whatever type of café business you run, you always carry a number of risks and challenges, so you need comprehensive café insurance to protect you, your customers, and your reputation.
Because we are a broker, we have access to a wide range of flexible policies from leading UK and specialist insurers. We search the market for you and can offer flexible insurance solutions to suit your business. And because each policy is tailored to fit your specific needs, you won’t waste money on cover you don’t need.
Speak to our team of café insurance experts for a free, no obligation quote.
You Could Save Over 35% With Us*
List of Covers and Features
Standard**
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Public and product liability.
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Employers liability insurance.
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Contents insurance.
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Accidental damage.
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Book debts/account receivable.
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Glass.
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Money in safe.
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Money on premises.
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Flexible payment options.
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Access to a 24-hour legal helpline.
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Access to documents anytime, anywhere via our secure portal.
Optional**
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Buildings cover.
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Business equipment.
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Business interruption.
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Embedded breakdown.
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Goods in transit.
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Legal expenses.
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Loss of licence.
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Loss of rent receivable.
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Money in safe / on premises.
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Stock.
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Subsidence.
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Tenants improvements.
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Terrorism
£366
In the last 12 months our customers have paid as little as £366 annually for café and coffee shop insurance. That’s just £7 per week!
50% of our café and coffee shop customers paid less than £726 annually.***
* Please click here to view our pricing disclaimer.
** Standard and optional cover may depend on insurer.
*** Data compared from 231 policies sold from November 2024 to October 2025. 30 customers paid £366 or less, which represents 13%. £7 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.
Frequently Asked Questions
A
Café and coffee shop insurance costs can vary depending on the level of cover you need. For example, you will usually need standard covers like employers liability if you have staff and public liability should your customers have an accident. But if you also have a larger coffee machine that would be expensive to replace, you're likely to need extra cover.
A
Café public liability insurance typically covers you just in case a customer slips, falls, or suffers another injury whilst eating at your tearoom or café. If you have staff, it's also a legal requirement to have employers liability insurance to protect you and your employees if they’re injured or fall ill as a result of the work they do for you.
These covers are designed to pay for any compensation, plus legal costs if an employee or customer brings a claim against you.
A
The specific insurance you need for your café may vary depending on factors such as your location, size, and the services you offer.
Our team of specialist brokers can assess your needs and arrange a tailored policy based on your requirements.
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There are a number of risks that may affect cafés and coffee shops. Business insurance is an essential aspect of protecting your café business.
Here are some common types of insurance coverage to consider:
- Public, products and employers’ liability insurance are often considered the most common. You may wish to also consider buildings and contents insurance to cover damage to your café's building and its contents, including equipment, inventory, and furnishings. This is crucial in case of fire, theft, or natural disasters.
- If your café serves alcoholic beverages, you may want cover for Loss of Liquor Licence. This will cover the costs and expenses incurred appealing the loss of licence with your Local Authority.
- Equipment breakdown insurance can help with repair or replacement costs if essential equipment in your café, like ovens or refrigerators, break down.
- Cyber liability insurance is also becoming key in this digital age to protect customer information. Cyber liability insurance can help cover the costs associated with data breaches or cyber-attacks that compromise customer data.
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You Could Save Over 35% With Us*