smiling female barista making coffee behind a counter in a coffee shop

Café & coffee shop insurance

Price beat guarantee

We guarantee to beat your new insurance quote or renewal premium from any other insurer.

New policies only. Cover on an equivalent basis to ours. Excludes policies with home emergency cover added. Qualifying criteria apply. Terms & Conditions.

Stolen laptop? Damaged mobile? We'll replace your essential tech within 24hrs of claim approval, with Business Tech Essentials.
Cover & claim limits apply. Mon - Fri 8am - 6pm, except Bank holidays.
  • No admin fees if you need to make changes to your policy.
  • 0% APR on your monthly Direct Debit payments in the first year.
    Over 18s, subject to eligibility.
  • We won't be beaten on price - we'll beat your new business quote or renewal premium from any other insurer.
    New policies only. Cover on an equivalent basis to ours. Excludes policies with home emergency cover added. Qualifying criteria apply. Terms & Conditions.

Tailored insurance for your café or coffee shop

Running a busy café comes with a lot of challenges - you've got to keep your stock replenished, your building in good working order, and provide a safe and relaxing environment for your customers.

With members of the public coming through the door all day, you'll need to act quickly if something goes wrong. That's why it's important to have insurance that suits the different risks you face.

Direct Line jargon buster

Confused by an insurance term? Look it up in our jargon buster

Pick and choose from the following cover types to create a personalised policy that's just right for your business. These covers are subject to policy conditions and limits.

Public liability insurance covers you if you cause injury to a member of the public or accidentally damage someone's property. An example of this could include a customer slipping on a wet floor in your shop or office and hurting themselves, or causing damage while carrying out building works on a client's house.

This insurance also covers you if a customer or member of the public becomes ill or suffers an injury because of a product you have supplied. For example, if the heel snaps off a shoe someone has bought from you, causing them to fall over, or if a cupcake you sell at an event makes someone sick.

If the people in question pursued legal action against you, public and product liability insurance would cover the costs you are liable to pay. We can offer cover from £1 million to £10 million.

Read more about public liability

Employers' liability insurance is a legal requirement if you have employees. There are a couple of exceptions to this rule, which you can read more about here.

We cover you for £10 million, as standard. This covers the legal and compensation costs you are required to pay if an employee gets injured or becomes ill because of the work they do for you.

You can insure the equipment needed to run your business, like your till, coffee machine, sandwich maker and even your laptop, with our contents cover.

If your equipment is stolen or damaged by an insured event, e.g. a fire or flood, we'll cover the cost of replacing it. So, you won't have to worry about forking out for expensive machinery you hadn't budgeted for.

When you cover your electrical items and tech you get Business Tech Essentials. Which means if your essential tech - like laptops, mobiles or tablets - are stolen or damaged we'll replace them within 24 hours of claim approval.

Cover & claim limits apply. Mon - Fri 8am - 6pm, except Bank holidays.

If your stock gets damaged overnight, e.g. because of a flood or a faulty freezer, and you can no longer serve most of the items on your menu, you'll likely lose takings for the day.

Our stock insurance will cover the cost of replacing your food, including any raw ingredients, so you can carry on running your business. We can cover food stored at home and food taken away from your premises, e.g. cupcakes being transported to a customer via a third-party delivery service.

We offer an extra 25% of cover for 15 days before and after every bank holiday, and for two months of your choice, as standard. This is especially useful if you know you have a particularly busy period, like Christmas.

If there is an insured event such as flood or fire at your work premises, buildings insurance will cover the costs of repairing the damage, helping you get back up and running.

Equipment breakdown cover (for items forming part of the building) is included as standard. This would cover the costs of replacing or repairing things like your broken boiler and fire/burglar alarms, as long as the damage is not due to wear and tear.

When you insure your contents or stock, you'll get equipment breakdown cover as standard. This means you can insure the essential machinery needed to run your business, like cookers and dishwashers. If they break down, we can cover the cost of repairing or replacing them, as long as the damage is not due to wear and tear.

Similarly, if you choose to insure your premises, we'll automatically cover the items that form part of the building, such as your boiler or fire alarm. The breakdown must not be due to wear and tear.

Depending on the type of business you run, you might work from home, in an office, at your shop, a client's premises or a shared working space. If your working premises became unusable due to an insured event like a fire or flood, business interruption will cover the costs of relocating until it's fixed. It can also cover you for any lost turnover during this time if you've insured your premises or business property with us.

If your main supplier or customer suffers damage to their premises and can't trade, we'll cover you for the loss of business you'll suffer. Equally, if a market or fair that you regularly attend suffers a fire, we'll cover the lost turnover for the time you can't trade there. Business interruption will also cover you if key equipment that you use to run your business, like a laptop, is damaged or stolen, meaning you can't trade.

Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and is unable to continue work. We will cover the incurred costs, up to £25,000, to minimise any interruption to the business.

Theft of Takings covers cash or cheques stolen from you in transit, from a safe or on you while you're working at other premises, such as your clients' homes. Maximum limits apply.

If you hold sensitive customer data, process payments online or just want peace of mind, Cyber cover should be considered. Because cyber criminals can be clever. Catching you off-guard and tricking you in to doing something you shouldn't, like opening an attachment in a fake email, or finding a way through your cyber-security. If this happens and they get their hands on your data or access to your bank account, the impact on your business could be devastating.

But, with our Cyber cover, you can call the experts, 24/7. They'll be on it, helping you to stay in business and recover in three ways following a cyber incident:

Recover financially

  • Covering loss of business income
  • Covering recovery costs, like fixing damage to your computer systems or data restoration
  • Covering fines (where insurable by law) and compensation costs following a data breach

Recover your reputation

  • You get access to public relations and crisis management experts to minimise damage to your brand and business.

Recover your systems and help prevent future incidents

  • Technical experts will help fix your IT issues and provide advice on how to prevent future cyber incidents.

Read more on Cyber cover here.

Available on new and renewal policies only. For Retail and Office & Professional customers only.

This covers the legal costs of providing specialist lawyers and taking action against many common legal problems, for instance disputes with suppliers or clients. Legal expenses cover can only be used if there is at least a 51% chance that the claim will succeed.

Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.

We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.

If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.

You can choose Personal Accident as an add-on once you've completed your quote.

If you have commercial premises, you can extend your cover, for an additional premium, to include property damage as a result of an Act of Terrorism. We'll cover you up to the maximum sum insured on your policy for buildings, contents, and business interruption (depending on which covers you have taken).

This includes:

  • the rebuild of buildings damaged beyond repair
  • cover for damage or loss of your business contents, stock, and computer equipment, to help you get back up and running.

If you choose business interruption cover, you can extend this to include cover for reduced turnover and the costs of setting up elsewhere, due to damage to your premises resulting from an Act of Terrorism. It will also cover you not being able to access your premises as a result of an Act of Terrorism within 1 mile of your business.

Acts of Terrorism are defined as damage caused by someone acting on behalf of, or in connection with, any organisation which uses force or violence to overthrow or influence the UK government.

Terrorism cover is only available for properties located in England, Wales and Scotland.

Terrorism insurance is optional, so an additional premium will apply.

You can include Terrorism cover on your policy by adding it online or by calling us on 0345 301 5066 when you take out your policy or at renewal, as it cannot be added to your policy mid-term.

Policy documents

If you have an existing quote or policy with us, you can view and download your policy documents from the My Account page.

We tailor all our policies, so your documents only show what you've chosen to cover.

Here is a summary of a generic policy, from 25 October 2020 onwards, which shows the main covers and exclusions in our policies.

Frequently asked questions

We can cover a range of establishments where food and beverages are served, including:

  • Cafés
  • Coffee shops
  • Tearooms
  • Snack bars

If your business isn't mentioned above, that doesn't mean we can't insure you. Get a quote to find out what we can offer your business.

Yes, we can insure your business if you use deep fat fryers. When you get a quote, you will need to specify that you use a deep fat fryer so that it's included in your policy.

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  • Monday to Friday 8am - 7pm
  • Saturday 9am - 5pm
  • Sunday 9am - 2pm

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Opening hours:

  • Monday to Friday 8am - 6pm
  • Saturday 9am - 3pm
  • Sunday Closed