Two real coffee shop quotes
A coffee shop was quoted $686 a year for general liability. That was a quote, not a policy the owner bought.
A café-bakery open less than a year was quoted $1,485 a year for liability and property together, a businessowners policy. The insurer issued it ready to bind, with no underwriter referral, but it is still a quote.
Each line is one real business, not an average. Your price depends on your own shop, and we can't promise a price until we see your details.
Liability alone or liability and property
General liability covers claims that you hurt someone or damaged their property, such as a customer who slips on a wet floor. Many leases require it.
A businessowners policy adds property: espresso machines, grinders, refrigeration, furniture, stock and the improvements you paid for. The two quotes above are for different businesses, so they are not a like-for-like comparison.
What moves the price
Sales come first. Liability is usually rated on yearly sales, so a busier shop pays more.
Cooking matters. A shop that brews, reheats and bakes costs less to insure than one with fryers, grills or open flame.
Equipment value sets the property price. Value machines and furniture at what they would cost to replace.
Catering, events away from the shop, delivery by your own staff, alcohol and claims in the past few years can all move the price.
- Yearly sales.
- Cooking beyond brewing, reheating and baking.
- Value of machines, furniture and stock.
- Building owned or rented.
- Catering, events or delivery.
- Claims in the past few years.
What to have ready for a quote
The form below asks only for your contact details, type of business, ZIP code and renewal month. A licensed agent follows up for the rest.
- Yearly sales.
- Address.
- Value of equipment and furniture.
- Your current policy or declarations page.
- Your renewal date.
Your startup action list
Mark completed tasks, then download a copy with room for owners, dates, and notes. Progress stays on this page until you leave or refresh. No email required.
0 of 10 completed
Use this guide for planning. Confirm requirements and current fees with the agencies serving your address. Coverage depends on the policy and insurer; this guide does not confirm that a particular operation is eligible.