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Café insurance
Custom café insurance tailored to your business needs
Protect against liability, equipment damage, and business interruptions
Compare quotes from a wide panel of insurers for the best coverage
Helping businesses with insurance for over 70 years
Finding you the best cover
We have a wide panel of insurers to discover suitable quotes and tailored cover for your needs.
Experts
Our team of insurance specialists have more than 70 years of experience in the industry.
Personalised cover
Our agents conduct a thorough fact find to understand your unique requirements, then work with insurers to get you the cover you need.
More than just insurance
Radius offers telecoms, fuel cards, telematics, insurance, electric vehicle charging, energy and vehicle solutions to businesses across five continents.
Search our panel of insurance specialists to find competitive cover
We work with a range of hospitality insurers from household names to small specialist insurers to find the best policy for your business.
Three simple steps
The fact find
Complete the online question set or speak to one of our agents.
Search the market
We identify the policy that best suits your business requirements.
Your business insured
Complete your insurance purchase online in minutes or over the phone.
Get a quote online in 10 minutes
Why is café insurance needed?
Cafés operate in a dynamic environment, one where multiple risks converge. From busy service areas prone to slip-and-fall accidents to equipment breakdowns and food spoilage, operations can be quickly disrupted due to unforeseen events. Without proper insurance, a single event – or claim – could cause irreparable financial and reputational damage to your business.
Customer injuries, protecting expensive kitchen equipment, benefitting from a swift recovery after an unexpected loss. With risks like these, having the right café insurance is essential. You can then focus on delivering a great experience – and coffee and cake – for your customers.
Benefits of café business insurance
- Financial protection: Insurance shields your business from unexpected financial burdens. Protection means costly incidents don’t disrupt your operations or force you to cover expenses out of pocket.
- Liability and legal coverage: The right insurance for café establishments protects against claims resulting from customer injuries or staff accidents. Legal fees and compensation costs are covered on your behalf.
- Guard for goods: Cafés rely on pricey kitchen equipment and perishable stock. Insurance covers the repair or replacement of such goods, from theft to spoilage.
- Business interruption support: Unforeseen events can force your café to close temporarily. Insurance covers lost income and ongoing expenses, allowing you to preserve financial stability during recovery.
- Greater customer confidence: Professionalism and responsibility. Having comprehensive café insurance demonstrates these qualities, which can naturally enhance your reputation and attract more customers.
- Peace of mind: You already have enough to balance running a café. With insurance in place, you can focus on the day-to-day of your business without worrying about potential risks.
Café insurance: What coverage is included?
Public liability insurance
For café owners, this cover is essential. It covers legal fees, settlements, and compensation costs arising from accidents suffered by customers and other third parties.
Employers’ liability insurance
This coverage protects your business against claims that develop from employee injuries or illnesses sustained during work. It’s mandatory for any café business in the UK.
Business interruption insurance
Unforeseen incidents like fires and storms can cause your café downtime. Business interruption insurance compensates for lost income and ongoing expenses during this time.
Contents insurance
Covers damage or loss of your café’s physical assets, including furniture and kitchen appliances. The insurance minimises downtime as it ensures quick replacement or repair.
Buildings insurance
Building insurance protects against structural damage if you own the property. It covers repair and rebuilding costs, which can be overwhelmingly expensive when handled on your own.
How much does café insurance cost?
There is no single answer for the cost of café insurance. It depends on numerous factors, including business size, location, and coverage level. Understandably, a small independent café in the countryside is likely to pay less than a busy city centre coffee shop with multiple employees. Costs can start from a few hundred pounds annually.
Wondering how to reduce café and coffee shop business insurance costs? This involves comparing tailored quotes from multiple insurers. Not only do you gain competitive quotes, but you also only pay for what you need.
Compare café and coffee shop insurance quotes online with Radius
Finding the right café insurance is made easy with Radius. Our experts assess your business needs and compare quotes from a panel of 120 insurers to secure the best coverage. Whether you run a cosy independent café or a coffee shop with high football, we customise policies to your specific risks.
Our personalised approach saves time and gives you peace of mind. The result: you can focus on running your café while we handle your insurance needs. Contact us to receive and compare quotes today.
Frequently asked questions
Can’t find an answer to your question? Talk to the Radius customer support team on 0114 261 2020. We’re here to help you with any questions or concerns you may have.
Do café and coffee shop businesses need public liability insurance?
What is included in café and coffee shop insurance?
What insurance is needed for a café?
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UK Fuels, Radius Insurance Solutions Limited and Milestone Insurance Consultants Limited are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions is a registered company (number 3668469 and FCA reference number 300425). Radius Insurance Solutions is a trading style of Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.