Cafe insurance
Workers' comp for cafes
Cafes employ many part-time workers, and early shifts, hot equipment, and wet floors produce steady injuries.
Common cafe injuries
- Steam wand and hot water burns
- Cuts from knives and broken glass
- Slips behind the counter
- Wrist and shoulder strain from tamping
- Back strain from milk crates and flour sacks
Request pricing for workers compensation.
Frequently asked questions
Do part-time baristas count?
Yes. Part-time employees generally count toward workers' comp.
Are steam wand burns common?
They are a frequent barista injury, along with cuts and slips.
Is the owner covered?
Depends on the state and entity; owners may elect in or out.
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