Florida Coffee Shop Insurance 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?
6. Can you provide insurance anywhere in the state?

How do insurance companies define Florida Coffee Shop Insurance?

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. Let us help you protect your business with Florida Coffee Shop Insurance!

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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.

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What is the price of Coffee Shop insurance?

There’s no single price, because insurers rate each coffee shop on its own details. The biggest factors are the ones our quote form asks about: your number of employees and payroll; your annual sales; the square footage of your location; whether you use subcontractors and whether they’re insured; the liability limits you want; and your claims history.

Send us those details through the quote form and we’ll compare options from the insurance companies we represent.

Is insurance for Coffee Shops required in Florida?

Florida requires workers’ compensation once a coffee shop has four or more employees. Owners who are corporate officers or LLC members count toward that number; sole proprietors and partners don’t, unless they choose to be covered (Florida Division of Workers’ Compensation).

Beyond that, the coverage you need usually comes from your lease, your lender or your customers’ contracts, which often require general liability with specific limits. Check those contracts before you sign.

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

Can you provide insurance anywhere in the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.