Commercial industry
Coffee Shop and Cafe Insurance
A coffee shop is a high-frequency premises with expensive espresso equipment, a small food program, and — in Washington and Oregon especially — a line out the door. The BOP has to cover the machine, the tenant improvements, and the seating. If you roast, that is a manufacturing add, not a silent back-room hobby.
We place independent cafes and small multi-door groups. If table service and a full kitchen dominate, our restaurant page is the better chassis. If you only roast and wholesale, see food manufacturing or wholesale.
Risks we actually schedule
- Equipment-breakdown on espresso machines, grinders, and a small roaster.
- Burn and slip claims at a crowded bar and a wet patio.
- Tenant-improvement fire or water loss in a build-out you paid for.
- A second location or a wholesale account that was never on the application.
Frequently asked questions
Is a coffee shop a restaurant for insurance?
Often it is written as limited-cooking restaurant or food retail, depending on the kitchen. Tell us about ovens, alcohol, and seating so we do not guess.
Does a BOP cover a $20,000 espresso machine?
If we schedule a contents and equipment-breakdown limit that can replace it. A token equipment include will not.
We have a small patio and a dog bowl. Does that matter?
Patio and animal premises are disclosable. They are usually writable; they are not free surprises.
Related coverage, industries, and locations
Business Owner's Policy
A packaged policy that pairs general liability with commercial property and business income for eligible classes.
Coverage detailsEquipment Breakdown
Boilers, refrigeration, production machinery, diagnostic equipment, and the business income that follows a mechanical failure.
Coverage detailsGeneral Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsWorkers Compensation
Private WC in competitive states, plus stop-gap and multi-state design. Washington employers stay with L&I for WA payroll.
Coverage detailsRestaurant and Food Service
Kitchens, dining rooms, delivery, and liquor — packaged for restaurants that actually cook and serve.
Industry pageRetail Bakery
Ovens, spoilage, products, and a storefront that also sells coffee — written as food retail, not a cafe-only BOP.
Industry pageCatering
Off-premises food, liquor, vans, and a commissary — the restaurant policy that has to leave the building.
Industry pageWashington
Licensed commercial insurance broker serving Washington.
State page