Cafe Insurance from £8.00/month

Café insurance — small-footprint hospitality cover

Cafés sit in a particular insurance sweet spot: small turnover, day-trade only, simple menu — but the underlying risks (fire from espresso boilers and panini grills, scalding claims, food allergens, slip/trip on wet floors) still need a proper hospitality wording, not a generic "shop" policy. Premier Insurance has arranged café cover since 1983 for independent coffee shops, brunch venues, deli-cafés, cake shops and small chains.

What a café policy needs

• Buildings or tenants' improvements — depending on lease
• Contents, equipment & espresso machines (specifically scheduled if above £15k)
• Stock including chilled and frozen with cold-chain breakdown wording
• Public & products liability £5m with allergen wording
• Employers' liability £10m including casual / weekend staff
• Business interruption — 12 month indemnity minimum (24 if leasehold)
• Plate glass for the shopfront
• Loss of refrigerated stock from chiller breakdown

Typical café insurance pricing in 2026

• Small takeaway-only coffee shop (under 10 seats): £38.00–£72.00/mo
• 20-40 seat café with brunch menu: £75.00–£145.00/mo
• Café-deli with significant chilled stock: £110.00–£195.00/mo
• Café with evening trade / wine licence: add 15–25%

Allergen claims — a growing exposure

Since Natasha's Law (Oct 2021), allergen mis-labelling on pre-packed for direct sale (PPDS) items is the fastest-growing café claim category. A single sandwich made with the wrong bread can produce a £40k–£180k allergen-injury claim. Insurers expect to see your allergen matrix and staff training records — we help you document these properly at proposal stage.

For a café quote, call 020 8908 2426.