Insights

Why Insurance Is Important for Your Coffee Shop

December 2022

Your coffee shop is so much more than a local business. It's a reflection of your commitment to craft a welcoming space for the people in your community. It's a reliable haven for your customers amidst their hectic daily routines. It's a part of the way you provide for yourself and your family. All in all - it matters a great deal to a great many people.

To ensure you're protected, let us help you build a policy that gives you the right coverage so you can get back to doing what you do best.

General Liability Insurance

At the top of your list should be general liability insurance. This covers any bodily injury or property damage to third parties caused by you, an employee, or a product. That could mean a customer trips and falls on the way in, or a coffee maker leaks onto someone's laptop. It's also important for protecting against advertising injuries like libel.

Property Insurance

Property insurance is another must-have. This covers damage to your coffee shop including fires, broken windows, and theft. It also protects items inside the shop — like furniture, equipment, and inventory. Plus, you can add coverage to guard against lost income if your business has to temporarily close after a covered incident.

Workers' Compensation Insurance

Finally, make sure you have workers' compensation insurance. This is essential for providing medical care and financial support to employees injured on the job. That could mean an employee is burned or heavy inventory falls on someone's foot.

When you're ready to get started, give us a call. We'll help you get the right coverage for your coffee shop so that you can continue to brew success for you and your neighborhood for years to come!

Jenn Sammarco

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