Cafes Insurance
Protect your cafe from customer claims, food safety incidents and equipment breakdowns with cover tailored to coffee shop and cafe businesses.
Get in touchWhat is cafes insurance?
Cafes insurance is a specialist policy that protects cafes from the risks of serving customers, managing premises and employing staff. It typically includes public liability, employers liability and buildings and contents cover.
Running a cafe business involves risks from food safety and customer injuries to property damage and staff claims. The right insurance means a single incident will not shut your doors.
Find insurers who understand the hospitality and food sector, so your cover reflects the specific risks your cafe business faces.
Public Liability
Covers claims from customers for injury or property damage at your cafe.
Employers Liability
Required by law if you employ anyone, covering employee injury or illness claims.
Buildings and Contents
Covers your cafe premises, coffee machines, furniture and stock.
Products Liability
Covers claims from food and beverages you prepare and serve.
Who needs cafes insurance?
Independent cafes
Running a single cafe with food and drink service
Coffee shop chains
Operating multiple cafe locations
Takeaway cafes
Primarily serving food and drinks to take away
Cafe bakeries
Combining a cafe with on-site baking
WHY CECIL
Built differently.
Coffee equipment covered
Commercial espresso machines and grinders are a major investment. Cecil ensures your policy covers this specialist equipment at replacement value.
Food safety protection
Cafes serve food and drinks to the public daily. Cecil makes sure your products liability covers food hygiene claims.
Affordable for small cafes
Many cafes are small businesses. Get your cover options that provide comprehensive cover at a price that suits independent operators.
Quick, relevant quotes
Get options from specialist insurers to find cafe insurance from hospitality specialists. No unnecessary questions about services you do not offer.
Common questions about cafes insurance
Do cafes need public liability insurance?
Yes, public liability is essential for cafes. Customer injuries from hot drinks, slips and trips, and allergic reactions are all common risks.
Does cafe insurance cover my coffee machine?
Yes, buildings and contents cover protects your coffee machines, grinders and other equipment against breakdown, theft and damage.
Do cafes need food safety insurance?
Products liability covers claims arising from food and drinks you serve. If a customer becomes ill from something you served, the policy covers the claim.
What level of public liability do cafes need?
Most cafes carry between £1m and £5m. Landlords often specify a minimum level in the lease.
Does cafe insurance cover outdoor seating areas?
Yes, public liability covers your outdoor seating areas. Make sure your insurer knows about any external trading areas.
Interested in Cafes insurance?
We will be in contact when Cecil launches.