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At coffee and tea supply stores, customers can purchase ground coffee, whole bean coffee, tea bags and loose tea, as well as foods and related supplies such as coffee grinders, espresso machines, coffeemakers, mugs, tea kettles, flavorings, sugar cubes, candies and cookies. Coffee, tea and other beverages such as steamed milk, apple cider and hot cocoa may be prepared, sold and consumed on-site as well. Supplies may be purchased by individuals who own coffee shops or for domestic use.

General Liability Insurance for Coffee & Tea Supplies Stores – Coffee and tea supplies stores should practice good housekeeping to prevent customers from slipping, tripping, or falling. Spills should be immediately corrected and warning signs should be posted prior to clean up of wet areas. Coffee and tea supplies stores that serve coffee on the premises should provide adequate warnings to prevent customers from being burned from hot liquids. Shelving and countertops should be sturdy, in good condition, and free of defects.

Workers’ Compensation Insurance for Coffee & Tea Supplies Stores – Employees of coffee and tea supplies stores may suffer from slip and fall injuries if floors are not clean. Employees may be burned when serving coffee, tea, and other hot liquids if caution is not used. Training should be provided for proper lifting techniques in order to prevent injuries such as back strain or hernias.

Business Auto Insurance for Coffee & Tea Supplies Stores – Coffee and tea supplies stores that offer delivery to local businesses will have higher business auto risks due to the amount of time spent on the road. Defensive driving instruction will help drivers avoid accidents due to factors outside of their control caused by road conditions, weather, heavy traffic, and unpredictable drivers. Coffee and tea supplies stores should implement an inspection and maintenance program for all delivery vehicles. Stores should establish unacceptable MVR criteria and move drivers to non-driver status in the event that they do not meet the objective standards.

Property Insurance for Coffee & Tea Supplies Stores – A fire could result in significant damage or a total loss to coffee and tea supplies stores. The design, construction, and layout of the store building are governed by local fire codes that often follow national standards such as NFPA. Checking for frayed wires and malfunctioning electrical devices such as coffee makers should help control ignition sources. Central station and local smoke alarms should be installed to reduce fire risks.

Crime Insurance for Coffee & Tea Supplies Stores – Employees of coffee and tea supplies stores should be trained how to observe and react to robberies or potential robberies. Cash registers should be located away from entrances. Employees should be trained not to resist the demands of robbers. By using electronic verification services and checking identification, check and credit card fraud can be prevented. Frequent internal audits should be performed to reduce employee theft at coffee and tea supplies stores.