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At these establishments, workers brew and prepare coffee and other beverages, such as espresso, lattes, teas, steamed milk, apple cider and hot cocoa, for customers to purchase and consume either on or off the premises. Pre-prepared foods such as danishes, bagels, muffins, yogurt and sandwiches may also be sold. They may operate out of kiosks, booths or rented spaces. In larger spaces, they may host events such as musical performances and poetry readings.

General Liability Insurance for Coffee Shops With No Cooking – Coffee shops should maintain the floors by mopping them after hours everyday to help reduce customer slips and falls. Spills should be immediately cleaned up and warning signage should be posted. Coffee shops may provide tables, chairs, and sofas for customers to relax. All furniture should be stable and free of defects such as protruding nails. Defective furniture should be removed immediately or tagged with a warning indicating that it should not be used.

Workers’ Compensation Insurance for Coffee Shops With No Cooking – Coffee shop employees may be burned from the use of coffee makers or from spilling hot liquids on their skin. A written safety program should be in place that is communicated to all employees with training and management oversight. Non-slip mats should be used behind the counters in order to reduce slip and fall injuries to employees.

Business Auto Insurance for Coffee Shops With No Cooking – The business auto risks for coffee shops should primarily consist of employees driving their own vehicles to make the daily bank deposits and run errands when necessary. The radius of business travel should be minimal, which will help reduce auto exposures. MVRs should be checked for acceptability for all drivers.

Property Insurance for Coffee Shops With No Cooking – Larger coffee shops that may host events such as musical events or poetry readings should verify that the appropriate amount of exit doors are available in case an emergency evacuation is necessary due to fire. Coffee shops should check their coffee makers, espresso machines, and other electrical equipment for malfunctions, frayed wiring, and other problems that could potentially cause a fire. Central station smoke alarms and approved fire extinguishers should be installed.

Crime Insurance for Coffee Shops With No Cooking – Coffee shops are susceptible to taking in a large amount of cash and could be at risk of robbery as a result. Extra cash should be frequently removed from registers and placed into a safe until the bank deposit is made. Controls should be in place to monitor the amount of coffee and other beverages sold in order to prevent employee theft.