Cafe insurance
Business owners policy for cafes
Most small cafes start with a business owners policy that bundles general liability, property, and business income.
Usually included
- General liability and products coverage
- Building or tenant improvements
- Equipment, furniture, and inventory
- Business income after a covered loss
Usually separate
- Workers' compensation
- Commercial auto for catering or delivery vehicles
- Liquor liability if you serve beer or wine
- Cyber coverage for payments and customer data
Frequently asked questions
Is a BOP enough for a cafe?
It covers the core, but workers' comp, auto, liquor, and cyber are separate.
Does it cover my patio furniture?
Outdoor property may need to be listed.
Does it cover tenant improvements?
Improvements you paid for can be insured as your property.
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