Café Insurance

We have access to a selection of the UK 's leading, specialist insurers and 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.

Why Insurance is Important for Cafés

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 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 Product

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.

<sub>Terms and Conditions
* We randomly surveyed 54 new business policyholders (12.5%) with insurance start dates between 12 April 2019 and 1 August 2019. 93% made a financial saving by moving to smei, with an average saving of 15.96%. This data excludes commercial and residential insurance for landlords.</sub>

_{** Standard and optional cover may differ dependent upon insurer.}

_{*** Data compared from 1042 policies sold in 2019.}