Coffee Shop Insurance

SME Insurance

Coffee Shop Insurance

Coffee shops and cafés can be busy places, with lots of people looking for drinks, refreshments and a place to relax. With such a high footfall, as well as hot drinks and food for sale, you need to have good quality coffee shop business insurance to protect your café if something does go wrong.

Being the owner of a coffee shop, Liability insurance is vital to ensure the necessary protection for your staff, suppliers and customers. The cost of café insurance in the UK can vary depending on a wide range of circumstances, so it’s best you speak to one of our team members today.

It's important to note that you are responsible for the welfare of your customers, your staff and your suppliers whilst they are in your shop. This means that protecting against the unexpected is essential! Here at Erskine Murray we take the time to understand your business and combine several important business insurance policies into one easy to understand package for coffee shop owners.

What does Bakery Insurance typically Cover?

Erskine Murray creates tailored and bespoke insurance policies to suit your business needs. Here are some of the types of covered items within a bakery insurance policy;

  • Contents Insurance
  • Accidental Damage
  • Glass
  • Business Interruption
  • Employers’ Liability
  • Public and Product Liability
  • Money in Safe
  • Money on Premises
  • Book Debts / Account Receivable

Depending on your establishment, there may also be the need to seek cover in the following;

  • Legal Expenses
  • Subsidence
  • Loss of Rent Receivable
  • Goods in Transit
  • Buildings Cover
  • Embedded Breakdown

Amongst many others.

Business Insurance for Cafés and Coffee Shops

There are many risks associated with not only running a successful business, but in serving hot drinks and food to the general public. If you are looking for coffee shop insurance policies, Erskine Murray has a range of packaged products that get the business insurance cover you need for your café or coffee shop in one policy, saving you time and money in the long term.

You may be looking for coffee shop insurance that is tailormade to match the needs of your café. If that is the case, following a quick call to understand your demands and needs, we can put together a package that includes your various liabilities, contents, and business interruptions concerns. Through using our online trading platform, we can compare results from a number of insurers, within minutes. The insurance policy for your coffee shop can include:

  • Public liability insurance cover, which covers you should a member of the public make a claim against you for negligence. This can be anything from tripping in your café to getting food poisoning.
  • Employers’ liability insurance cover – a legal requirement for any business which has employed staff. These can be full time, part time or temporary staff.
  • Buildings insurance covers the bricks and mortar of your café, often your biggest asset!
  • Contents insurance which allows for fixtures, fittings and equipment to be repaired or replaced.
  • Business Interruption insurance provides a replacement income in the event you need to close your business for any reason, such as a flood or fire.
  • Stock insurance covers all inventory including frozen foods if they spoil.

Insurance Cover for Coffee Shops

It doesn’t matter how careful you are, accidents can and do happen. This can mean that insurance claims happen too! If anyone becomes ill or injured due to being in your coffee shop, the claim can land at your feet. If not correctly insured, it can mean a big financial issue for your café, especially when the coffee shop insurance policy you are looking for is not as expensive as you might think.

Erskine Murray work with a range of insurers to get the right cover to suit your needs, with each policy tailored to your requirements. We are able to build the right insurance policy to protect your business, your employees and any specialist equipment you have such as expensive coffee machines. Simply get in touch with our team here at Erskine Murray to begin your coffee shop insurance quote or discuss your requirements with us.

SME Insurance by Sector


Cyber attacks are a rapidly growing, see how we ensure you are protected. 

Directors’ and Officers’

Often referred to ad 'D&O', this policy is designed to defend individuals against damaging claims.

Shops and Offices

From office blocks and home offices to hairdressers, florists and newsagents, we cover the entire scope of this sector.  

Commercial Property Owners

For property owners, investors or developers, single property to portfolio's, we have the solution.

Residential Property Owners

For property owners, landlords and associations, we deliver a policy that covers all related risks.


One policy for fleets of all sizes. Our online platform compares insurers within minutes, so you know you have the right cover.

Professional Indemnity

Often referred to as 'PI', a profession-based risk management package.


Our package covers every single trade. Simple, effective and delivered by the same or following working day.

Motor Trade

For dealerships, mechanics, valeters, bodyshops and everything in-between, we've got you covered.


Including buildings, contents, liability, unoccupied and rental protection.

Golf Course

Golf courses possess specific risks which specialised golf course insurance can help protect you against.


Whether you are a small independent bakery, or a larger chain, it is vital you consider your level of business insurance.

IT Contractors

From basic repairs and builds through to emergency cover, your clients call on you for your expert knowledge and skill.


Professional indemnity insurance is an important policy, as you are offering professional services to other people & businesses.


Your clients call on you for your expertise, knowledge and skill, whether you are a quantity or land surveyor.

Business Interruption Insurance

Business Interruption insurance, also known as BI, is a much-misunderstood cover which can often be overlooked by small business owners.

Wholesalers Insurance

Erskine Murray can help wholesalers to find the appropriate insurance to manage the risks to your industry and provide the right protection for your business needs.

Tech Start Up Insurance

Here at Erskine Murray, we make it easier for you to cover and protect your business with several appropriate policies packaged together.

Media Professionals Insurance

The media and marketing industries can be vulnerable to claims of negligence for what are in fact basic errors.

High Net Worth Insurance

High net worth insurance is ideal for people with high profile occupations such as sports people, actors, singers and other people in the public eye.

Graphic Designer Insurance

As the risks can be fairly wide ranging, there are lots of appropriate insurance policies which can be useful for graphic designers.

Civil Engineering Insurance

At Erskine Murray we understand the many risks associated with those involved with working at height, extreme depth and working with asbestos.

Business Owners Policy Insurance

An enhanced business insurance policy which combines property insurance alongside general liability insurance.

Contractors All Risk Insurance

Whilst all construction sites are different, there are still common risks and threats shared by them all.

Who do I


If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I


Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.