Coffee Shop Insurance in Vermont

What is Coffee Shop Insurance?

Running a cafe can be a fun and rewarding business, but it’s a venture that comes with certain inherent risks. Coffee shops in Vermont are exposed to a range of liability, property and other perils, many of which coffee shop insurance can help protect against.

Coffee shop insurance is a specialized form of commercial insurance that’s uniquely crafted to meet the needs of coffee shops and cafes. Most policies are written as package policies that come with multiple coverages, and cafes can usually adjust their policy’s coverages to suit their situation.

What Businesses in Vermont Need Cafe Insurance?

There are many Vermont businesses that could benefit from the protections provided by cafe insurance policies. Any of the following businesses might be interested in this type of policy:

Coffee shops
Breakfast and lunch cafes
Delis that serve meals
Bakeries that serve meals
Stores with in-store cafes
Bistros

Businesses that are unsure whether this insurance is right for them should speak with an insurance agent who specializes in cafe insurance. A specialized agent will be familiar with cafe policies and other policies that are similar, and they’ll have the expertise necessary to offer informed guidance on what type of policy to select.

What Coverages Do Cafe Insurance Policies Provide?

There are many different coverages that cafe policies might provide depending on a coffee shop’s particular needs. Some of the more commonly selected protections are:

General Liability Coverage, which may cover claims related to common accidents
Product Liability Coverage, which may cover claims related to harm caused by served beverages and foods
Umbrella Liability Coverage, which may cover claims exceeding primary policies’ limits
Building Coverage, which may cover an owned building or other structure
Tenants Betterment Coverage, which may cover changes made to leased space
Contents Coverage, which may cover large equipment, smallwares, furniture and supplies
Equipment Breakdown Coverage, which may cover large equipment in the event of a breakdown

Do Coffee Shops Need Workers Compensation Coverage?

Most coffee shops have paid employees and, as a result, need to carry workers compensation. This is a coverage that protects against workplace injury and illness, typically paying employees’ medical bills and a percentage of their lost wages if they have a valid claim.

Workers compensation, however, isn’t always purchased within a cafe insurance policy. While it might be in a few cases, many coffee shops instead get a separate workers compensation policy that stands alone but complements their cafe policy. An informed insurance agent can likely help determine the best way to obtain any workers compensation coverage that’s needed.

Mike Bancroft is simply an amazing agent. When my business got burglarized, I was so upset and didn't know what to do. I contacted Mike and he was very prompt in calling me back and he put my mind at ease. He made me feel so much better and handled all of the paperwork immediately. His customer service is top notch and I highly recommend him to be your insurance agent!

Becci Kepnes-Letourneau

Our business was with the same trusted agent for over 20 years. Mike Bancroft offered to evaluate our policies and see if he could save us some money on both Workmen's Comp and general liability. He did, and in the process even moved us to better coverage. Mike also offers a superb quality of service. Cannot recommend highly enough.

StoryWorkz Creative

Mike Bancroft has been great to work with. He has assisted with my Business Auto, Tool Coverage, Homeowners and all other types of insurance needs. I wouldn't be surprised if they change their name to Paige, Campbell & Bancroft soon!

Lance Garrett

Extremely prompt, personable, and professional service! Despite only needing a workers' comp policy for one employee, Paige & Campbell was very receptive and ensured to shop my policy around to ensure I received a great price that was almost half of what another broker quoted me.

Jennifer L.

Do Coffee Shops Need Liquor Liability Coverage?

Coffee shops normally only need liquor liability coverage, which usually protects against claims related to alochol-affected incidents, if they sell alcoholic beverages. Cafes that do need the coverage can often add it to their coffee shop policy.

What Factors Influence Coffee Shop Policies’ Premiums?

Insurance companies commonly look at a plethora of data points when setting premiums for coffee shop policies. Just a few of the items that may impact how much a cafe pays for coverage include the cafe’s:

Location and size
Number of customers served
Menu offerings
Past claims history
Chosen coverages and limits

How Can Cafes in Vermont Get Coffee Shop Insurance?

For help insuring a cafe in Vermont, contact the independent insurance agents of Paige & Campbell Insurance. Our agents have worked with many cafes in the state, and they have the expertise necessary to get your cafe a coffee shop insurance policy that’s right for its situation.