Florida Coffee Shop quote and information.

1. How do insurance companies define Coffee Shop?
2. What risk exposure do Coffee Shops have?
3. What is the price of Coffee Shop insurance?
4. Is insurance for Coffee Shop required in Florida?
5. What coverages are common to Coffee Shop businesses?

Ask an agent a question not listed?

How do insurance companies define Coffee Shop?

Coffee shops prepare and serve coffee to their customers. Most do not have table service and customers must place orders and pick them up at the counter. In addition to espresso, lattes, cappuccinos and other coffee related drinks, teas, snacks, sandwiches and packaged coffee beans or fresh ground coffee may be sold. In order to attract and retain Florida customers, coffee shops may offer free internet service, live entertainment, art exhibits and similar activities. A few operations serve alcoholic beverages. While many shops are owner operated franchises, there are local and regional chains as well as totally independent owner operator shops.

Want a Free Quote or have a Quick Question?

What risk exposure do Coffee Shops have?

• Property exposures Property exposures are from the coffee brewing operations. The focus of most Florida coffee shops is the espresso machine. These involve high temperatures and are pressurized. Other equipment includes coffee grinders, steamers, and related or similar property. Light cooking and baking may also be present but are not usually accompanied by any grease-laden vapor exposure.
• Crime Exposures Crime exposures are similar to those of any retail operation. Employee dishonesty must be considered in additional to burglary and hold-up. Money should be removed from the cash drawer at regular intervals and deposited at the bank throughout the day to prevent substantial accumulations.
• Inland Marine Exposures Inland marine exposures involve audio-video and computer equipment. Florida equipment is susceptible to theft, smoke and water damage. A fine arts exposure exists if works of art for sale are displayed.
• Premises Liability Premises liability exposures are primarily from slips, falls and the occasional burn from scalding coffee or water spilled by or on customers.
• Product Liability Product liability exposures are from food poisoning and allergic reactions. Appropriate sanitary measures are important. Labeling of product ingredients should be posted. If the shop imports coffee directly, it has the exposure of a manufacturer or a coffee merchant.
• Workers Compensation Workers compensation exposures are primarily due to slips, falls and burns. As with all Florida retail businesses, hold-ups are possible so employees should be trained to respond in a prescribed manner. Espresso machines may explode if not monitored and property maintained.

Want a Free Quote or have a Quick Question?

What is the price of Coffee Shop insurance?

We are sorry, we haven't posted an answer to this question yet. Ask us now and we will respond and post the answer in one business day.

Ask An Agent Now

Is insurance for Coffee Shops required in Florida?

We are sorry, we haven't posted an answer to this question yet. Ask us now and we will respond and post the answer in one business day.

Ask An Agent Now

What other insurance should a Coffee Shops consider?

Business Personal Property, Employee Dishonesty, Money and Securities, General Liability, Employee Benefits, Umbrella, Hired and Non-ownership Auto, Workers Compensation