Insurance designed with your café in mind
Focus on delivering the best customer experience knowing that your business is protected.
Focus on delivering the best customer experience knowing that your business is protected.
As a café owner, you have a lot on the go. No two days are the same – from keeping track of your inventory of food and supplies to serving customers and maintaining a clean storefront, there’s a lot on your plate. This is where we come in, with comprehensive insurance coverage to help address the unique risks your business faces daily.
Your café is buzzing with activity – baristas are busy taking coffee orders, serving and preparing food, cleaning the front and back end of the store while customers constantly file in and out. There are a lot of moving parts that can be hard to keep track of, including risks to your property, workers and customers.
How quickly would your café be able to recover in the event of a loss or damage? As a café owner, the most common risks you face may include:
You could be found accountable for customer injuries from slips, trips and falls in your café.
Microwaves, ovens, stovetops, deep fryers and other appliances in your kitchen have the potential to start a fire.
An injured customer could lead to legal action and expensive lawsuits. Commercial General Liability coverage can help your retail business recover from these costs.
An injured customer could lead to legal action and expensive lawsuits. Commercial General Liability coverage can help your retail business recover from these costs.
A good insurance plan meets your needs and will help support your long-term growth as a business. We offer coverage to protect your property, customers, employees and equipment. We understand there isn’t a one-size-fits all solution and offer coverage you can rely on.
For your coffee shop, the following are coverage options you may want to consider.
This covers your building, equipment, inventory and supplies in the event of damage or loss. For example, if a fire broke out in your kitchen, you would be able to quickly replace damaged equipment.
You may have one or a whole fleet of vehicles to help with catering or delivery. This coverage can provide you with a replacement car in case you need to rent one temporarily after an accident, so you can continue running your café.
This coverage is designed to protect you from liability of bodily injuries or property damage to a third party. For example, if a customer falls and injures themselves in your café.
In the event of an unexpected incident, such as a natural disaster, your café may have to shut down. This coverage will help with your loss of income, so you can keep paying normal operating expenses and focus on getting ready to re-open your doors for business.
If you offer customers Wi-Fi, sell goods through an online store or process credit card transactions every day, consider this coverage to protect you from e-commerce threats and in the event of a data breach.
Crime can occur when you least expect it, no matter how prepared you may be. This coverage will help protect you from employee dishonesty and other types of theft.
Our team of Risk Services specialists are here to help – ask them any questions or voice concerns about your plan, how to prevent loss and manage your risks.
If your café is going through a difficult time or suffers a loss, call this service. You’re not alone – we can help you deal with the emotional impact of this.
We include up to $50,000 of legal expense coverage to help you cover legal costs necessary for issues your café may face.
In addition to our legal expense insurance, we offer unlimited telephone access to general legal advice.
We’re always open for you. With around-the-clock claims support by phone and online, we make settling claims fast, simple, and stress-free.
Pay for your policy all at once or in convenient monthly installments. We also offer 0% interest and we’ll even accept payment by credit card.
Every TruShield small business insurance policy includes legal expense insurance: coverage for up to $50,000 of legal costs.
Legal information
Terms, conditions and exclusions apply, see policy for details. The services described on this website are not insurance policies and not all policies are eligible. For more information on our services and for information on our insurers please see Terms and Conditions.
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TruShield Insurance, 105 Adelaide Street West, Toronto, ON M5H 1P9
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