Insurance for Cafés, Coffee Shops and Sandwich Bars

Protect your café, coffee shop or sandwich bar with tailored insurance designed for your business.

Running a café, coffee shop or sandwich bar is about more than great food and friendly service, it’s about keeping your doors open, your customers happy, and your staff safe. With the right insurance in place, you can focus on serving your community while we help protect your business from the unexpected.

At The Yorkshire Broker, we arrange cover for independent cafés, coffee shops, sandwich bars, delis and similar businesses across the UK, ensuring that you’re properly protected, whether you operate a single outlet or multiple locations.

Why You Need Café and Coffee Shop Insurance

Every food and drink business faces its own set of risks, from equipment breakdowns to customer slips, or contents and stock losses. Specialist insurance for cafés and coffee shops brings these covers together in one simple package, protecting you financially if things go wrong.

Having the right insurance can:

Keep you trading if your equipment breaks down or the power fails
Protect your income if your business has to close temporarily
Cover claims from customers or employees who suffer an injury
Replace stolen or damaged stock, contents or money
Provide peace of mind knowing you’re fully compliant with your legal requirements

What’s Typically Covered

We can help arrange a package that suits your café or coffee shop, with cover that may include:

Property and Contents Insurance

Protects your building (if you own it), as well as your fixtures, fittings, furniture, and specialist catering equipment against fire, flood, theft, and accidental damage.

Stock and Goods Insurance

Covers your food, drink, and other stock, including refrigerated goods, against spoilage or loss caused by equipment failure, fire, or theft.

Public Liability Insurance

Protects your business if a customer or visitor is injured, or their property is damaged while on your premises. For example, if a customer slips on a wet floor or spills a hot drink, this cover helps pay legal and compensation costs.

Employers’ Liability Insurance

A legal requirement if you employ anyone, even part-time or temporary staff. It covers claims made by employees who are injured or become ill as a result of their work.

Business Interruption Insurance

Covers lost income and extra costs if your café or coffee shop is unable to trade following an insured event such as fire, flood, or major equipment failure.

Equipment Breakdown Cover

Covers the cost of repairing or replacing essential equipment such as coffee machines, ovens, fridges, and freezers in the event of mechanical or electrical failure.

Money Insurance

Protects cash kept on your premises or in transit to the bank.

Products Liability Insurance

Covers your legal liability if food or drink you sell causes illness or injury to a customer.

Cyber Insurance (optional add-on)

Many cafés now take online bookings, card payments, or use cloud-based till systems. Cyber Insurance can protect against data breaches, payment fraud, and other digital risks.

Optional Extras

Depending on your café or coffee shop setup, you may also wish to include:

Glass and signage cover

protection for shopfront windows and outdoor signs

Goods in transit

if you deliver food, drinks, or catering supplies

Loss of licence cover

protection if your alcohol licence is suspended or revoked through no fault of your own

Tenants’ improvements cover

if you’ve refurbished or fitted out your rented premises

Who We Work With

We help insure a wide range of food and drink businesses, including:

Independent cafés and coffee shops

Sandwich bars and takeaway outlets

Bakeries and delis

Smoothie and juice bars

Tearooms and dessert cafés

Mobile coffee vans and catering trailers

Whether you run a cosy local café, a busy city sandwich bar, or a mobile coffee business, we’ll make sure you have the right protection in place.

Why Choose The Yorkshire Broker?

Independent advice from friendly, experienced insurance professionals

Access to multiple insurers to find the best cover at a competitive price

Tailored packages designed around how your business actually operates

Ongoing support with claims, renewals, and any changes throughout the year

We’re proud to support small businesses across Yorkshire and beyond, helping local cafés, coffee shops, and food outlets protect what they’ve worked hard to build.

Protect Your Café or Coffee Shop Today

Running a café is full of challenges, insurance shouldn’t be one of them. At The Yorkshire Broker, we’ll help you find the right protection so you can focus on running your business with confidence.

Call us today on 01924 929070 to arrange a quote for your café, coffee shop, or sandwich bar insurance.