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Cafe Businesses Insurance

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 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 covers include business interruption, cover for your building, equipment and contents, and financial cover for any money held at your premises.

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

We’ve listed below a checklist of questions you may want to ask yourself before proceeding to purchase your Cafe Business Insurance:

You may need cover for:

  • Public & Products Liability Insurance
  • Employers Liability Insurance
  • Buildings Insurance
  • Contents Insurance
  • Stock & Deterioration of Stock
  • Electronics, Money or Computers
  • Business Interruption

Just To Name A Few!

How Much Does Cafe Insurance Cost?

The cost of your policy could depend on a range of things:

  • Where you cafe is located: Insurers will use a postcode rating to assess the risk of threats such as theft, flooding and subsidence.
  • The levels of cover you take out: The more you take out and invest in the safety of your business, the more it’ll be protected.
  • The size of your cafe: A bigger business means more stock, staff, and contents, which means more potential risks and higher insurance claims.

What type of cafes and coffee shops do we cover?

Thanks to our panel of insurers and the bespoke business insurance they offer, we can now insure a wide range of cafe businesses, including:

  • Small Restaurants
  • Sandwich Shops
  • Soup & Sandwich Bars
  • Tearooms
  • Bistros

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. Our panel of insurers have many specialist tailor-made combined policies especially for the Cafe trades.

Protect Your Business


What Insurance Does Your Business Need?

Having the correct insurance for your business will depend on your type of business and the particular risks it faces. Should you have a family run small business such as a florist or fish and chip shop you need the right cover in place for your business.

Retail insurance from Money Cornershop includes your public liability insurance in case someone makes a compensation claim against you. You can also cover your stock, insure your building, and add employers’ liability insurance to cover staff claims. It’s quick, quality cover in one simple policy.

If you have made improvements to your rented premises such as such as air conditioning, lighting or specialised fittings it may be worth considering adding tenants improvements cover to your quotation.

Anything that you install yourself, such as air conditioning, lighting or specialised fittings, will not be covered under your landlord’s insurance policy. This means that if they’re damaged, by a fire or flood, for example, then you won’t be able to claim for them without having tenants improvements as part of your own insurance policy.

Do You Need To Speak To Someone?

We have a wealth of experience and a great team of friendly professionals – Why not click “Let’s Chat!” in the bottom right hand corner of your screen to connect to our insurance broker team?

Our team is waiting to hear from you today – 0330 043 0003

Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our Knowledge Hub for further information about us.

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Our Experience & Relationships

Money Corner Shop is a proud member of the Purple Partnership – Who have been voted the Best Broker Network in the UK – 3 times in the last 4 years – Which means many insurers provide exclusive deals for us, with competitive pricing and enhanced policy cover. MoneyCornershop.com has been working with small-and medium-sized enterprises all across the UK, 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 policy that fits your specific requirements, and has the ability to develop and grow along with your business.

When this is combined with the great service our team provides, you can see why people choose to let us arrange their insurance.

We have over 50 years collective experience and relationships with underwriting specialists which have the capacity and understanding of the industry to write and place any risk.

Tailored To Meet All The Risks Associated With The Day To Day Running Of Your Business.

We work closely with you to provide bespoke insurance & risk managements to suit your business, whatever your requirements.

It’s very important to make sure you understand what you need from your shop insurance. Use the check points below to get you thinking.

  • Check the policy documents for exclusions and excesses so you know exactly where you stand with your policy
  • Insure your stock at the cost price, not the retail price
  • Do you need buildings insurance? If you rent your premises, your landlord may take care of this already
  • Ensure that you are insured for your contents and fixtures and fittings cover properly (which is part of buildings insurance).

With a panel of the world’s largest Insurers we are able to provide the protection you need at a price you can afford. Our dedicated team are here to discuss your insurance needs and can provide you with a quote in minutes. Cover can also be arranged the same day without the need to complete lengthy proposal forms.

All You Need Now Is A Cup Of Tea!

Join Our Network Of Happy Customers

  • We value a happy customer and your experiences.
  • Let us stop talking and focus on delivering a better experience.
  • Actions and experiences tell the real story.
  • So, lets begin and start your insurance quotation today!


From a Single Shop to A National Chain – You can have the right coverat the best premiums today

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Why Join Moneycornershop.com?

  • Join a huge network of happy customers
  • Claims managed by individual insurers
  • Experienced business insurance brokers
  • We can help you save on your business utilities
  • We can help you raise finance for your business