- Business name, entity, and years open
- Annual sales split between food and beverages
- Seats, patio, and square footage
- Hours and any drive-through
- Equipment list and values, including espresso machines
- Baking, roasting, or cooking on site
- Payroll and employee count
- Beer or wine service
- Lease requirements
- Prior claims
Frequently asked questions
How long does a quote take?
It depends on completeness and the market.
Do I need my lease?
Lease insurance requirements help set limits.
Is a quote a binder?
No. A quote is not a binder.
More coverage and guides
- Hot beverage burns and liability
- Espresso machines and equipment breakdown
- Business owners policy for cafes
- In-house coffee roasting
- Workers' comp for cafes
- Spoilage and utility interruption
- A cafe day, hour by hour
- Wi-Fi, card payments, and cyber coverage
- Allergens and bakery labeling
- What affects cafe insurance cost
- Cafe application checklist
Last updated October 15, 2026 · How we research