19 minute read

Insurance designed with your café in mind

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.

What risks do I face as a café owner?

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:

Property

You could be found accountable for customer injuries from slips, trips and falls in your café.

Fire

Microwaves, ovens, stovetops, deep fryers and other appliances in your kitchen have the potential to start a fire.

Business liability

An injured customer could lead to legal action and expensive lawsuits. Commercial General Liability coverage can help your retail business recover from these costs.

Business liability

An injured customer could lead to legal action and expensive lawsuits. Commercial General Liability coverage can help your retail business recover from these costs.

What types of insurance does your café shop need?

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.

Commercial Property

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.

Commercial Auto

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.

Commercial General Liability (CGL)

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.

Business Interruption

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.

Cyber

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

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.

How much does small café business insurance cost?

Risk Management Assist

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.

Trauma Assist

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.

Legal expense insurance

We include up to $50,000 of legal expense coverage to help you cover legal costs necessary for issues your café may face.

Legal Assist

In addition to our legal expense insurance, we offer unlimited telephone access to general legal advice.

The TruShield advantage:

24/7 Claims service

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.

Flexible payment options

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.

Legal expense insurance

Every TruShield small business insurance policy includes legal expense insurance: coverage for up to $50,000 of legal costs.

Ready to get a quote?

Advice from our experts:

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.

Certain content used on this website are trademarks or tradenames of Northbridge Financial Corporation (or its affiliates) and are used under license by our insurers. For more information please see Trademark Information.

TruShield Insurance, 105 Adelaide Street West, Toronto, ON M5H 1P9

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Insurance designed with your café in mind

What risks do I face as a café owner?

Property

Fire

Business liability

Business liability

What types of insurance does your café shop need?

Commercial Property

Commercial Auto

Commercial General Liability (CGL)

Business Interruption

Cyber

Crime

How much does small café business insurance cost?

Risk Management Assist

Trauma Assist

Legal expense insurance

Legal Assist

The TruShield advantage:

24/7 Claims service

Flexible payment options

Legal expense insurance

Ready to get a quote?

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Send us a message

Insurance designed with your café in mind

What risks do I face as a café owner?

Property

Fire

Business liability

Business liability

What types of insurance does your café shop need?

Crime

How much does small café business insurance cost?

Risk Management Assist

Trauma Assist

Legal expense insurance

Legal Assist

The TruShield advantage:

24/7 Claims service

Flexible payment options

Legal expense insurance

Ready to get a quote?

Advice from our experts:

Head office

Send us a message

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