cafe insurance

Cafe Insurance

We Have Access to a Selection of the UK's Leading, Specialist Insurers.

We are able to build a café or coffee shop insurance policy, tailor made for your business.

Café businesses vary greatly, from tearooms and coffee shops to bistros and that British institution, “the greasy spoon”. But whatever type of café business you run, you all have one thing in common: busy cafés can carry a number of risks and challenges so you need comprehensive café insurance to protect you, your customers, and your reputation.

As a café owner, you’re responsible for the welfare of your customers, your employees, and your suppliers. So it’s essential to have adequate public liability and employers liability insurance in case anyone is injured or falls ill as a result of being at your cafe. Product liability is another essential cover as a safeguard should somebody suffer food poisoning.  

Additionally, other essential café or coffee shop insurance covers include business interruption, cover for your building, equipment and contents, and financial cover for any money held at your premises.

smei is passionate about championing the high street and helping cafes like Rococo Coffee House in Liverpool, Merseyside (pictured above). smei has been working with small- and medium-sized enterprises across the UK since 2002, so we understand that each individual business has its own unique risks and challenges. Our knowledgeable customer service team has the skills and expertise to put together a flexible, café insurance policy that fits your specific requirements, and has the ability to develop and grow along with your business.

Our flexible approach to tailor-made policies and our ability to cater for non-standard risks means we may be able to provide cover for risks that some insurers deem too risky, such as flat-roofed premises, start-up businesses, and premises that have suffered previous claims due to fire or flood.

To find out more about our specialised insurance cover for cafés, or to obtain a quote for your business, contact smei today for a chat with our quality team.

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Contact our team to receive a no obligation, instant quote today.

91% of our customers would recommend our service

Standard Covers**

  • Accidental damage.

  • Book debts/account receivable.

  • Business interruption.

  • Contents insurance.

  • Employers liability.

  • Glass.

  • Money in safe.

  • Money on premises.

  • Public and products liability.

Optional Covers**

  • Buildings cover.

  • Embedded breakdown.

  • Goods in transit.

  • Legal expenses.

  • Loss of rent receivable.

  • Subsidence.

  • Tenants improvements.

  • Terrorism.

Premiums from as little as

£444 .58
In the past 12 months our customers have paid as little as £444.58 per annum for café insurance.

50% of our café customers paid less than £826.16 per annum.***

Why Café Business Insurance is Important

Even the smallest of cafés or tea rooms can face big risks when it comes to health and safety. This is why it is just as important for these smaller, perhaps more independent businesses to understand the importance of taking out business insurance, as well as the larger establishments.

But what kind of things should you keep in mind when it comes to cover to café insurance or team room insurance cover?

Business interruption – which provides financial protection should an insured event such as a fire or flood prevents you from trading for a period of time.

Equipment breakdown cover – to ensure that those costly machines vital to your business can be replaced or repaired should they fail.

Public liability – typically covers you just in case a customer slips, falls, or suffers another injury whilst eating at your tea room or café.

Taking time out from running your own business can be difficult, which is why you should contact an expert in business insurance to talk you through the important things to consider to help ensure that your livelihood is well protected.

Our Café Insurance

smei have access to a selection of UK insurers and are able to build a policy that is tailor made to suit the requirements of your cafe, coffee shop or tea room.

Our experienced sales executives will work with you to ensure that you understand the warranties and endorsements which may be attached to your policy.

Our flexible approach to tailor made policies and our ability to cater for “non-standard” risks, means that we may still be able to provide a policy to cover your business needs even if your particular circumstances may not be looked on favourably by some Insurers.

Our insurers may be able to offer cover for:

  • Premises with flat roofs.
  • Risks with high sums insured.
  • Start up businesses.
  • Proposals that have had large claims (including fire or flood).

Please note we are unable to offer quotations to businesses located in Northern Ireland.


* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

*** Data compared from 374 policies sold in 2022. 80 customers paid as little as £444.58.  

Frequently asked questions

Café public liability insurance typically covers you just in case a customer slips, falls, or suffers another injury whilst eating at your tea room 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 are 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 fees if an employee or customer brings a claim against you. 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.

91% of our customers would recommend our service

I’ve being using smei for almost 6 years now & the team always give a friendly professional service, good knowledgeable advice & are always most helpful. I have spoken to the same team members several times & I think that is really nice, they know what I need as a business & are always extremely happy to assist. I would definitely recommend smei to other businesses for their insurance needs.


Quotes from well-known and specialist insurers, including:

Insurers smei work with

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