The awning falls, shattering their windshield and severely injuring your customer. While getting their order from you at the pickup window, the awning snaps under the pressure from the wind. Let's say a customer is going through your drive-through and it's storming outside. General liability insurance is the most basic coverage you can get to protect your business-don’t skip it. The insurance company can cover medical bills and legal expenses. General Liability Insurance will protect your coffee shop from claims of third-party bodily injury, third-party property damage, and libel or slander. Here are some of the basic types of business insurance you should consider for your coffee shop. What Insurance Do Coffee Shop Owners Need? If you accidentally harm a customer, you want to make sure you don’t lose your business and way of making a living. But sometimes accidents have horrible consequences and someone is held responsible. These are all actual incidents where a customer was harmed inadvertently when visiting a coffee shop. He ordered soy milk and was given almond milk-and he had a life-threatening nut allergy. A Portland man sued Starbucks after he was served the wrong drink.She was awarded $100,000 for the medical bills. A Florida woman sustained first and second-degree burns after her Starbucks coffee lid came off, spilling hot coffee on her.She was awarded $3 million in damages for the resulting burns. A woman ordered a coffee from the McDonald’s drive-through and it was spilled on her.Even a small incident can financially ruin you. It’s hard to imagine something could go wrong until it does.
Your coffee shop business is your passion-you need the right insurance to protect it. Whether you’re operating a mobile cart, kiosk, taking over an existing shop, starting your own shop from scratch, or simply trying to streamline costs by price shopping your current coffee shop insurance, understanding some of the types of coverages and why they’re important can help you get the best value for your money. Your risk management plan should be a big part of your overall business strategy, with business insurance as the underpinning. Coffee shop insurance could arguably be called one of the most important types of coverage when you consider how essential coffee-and therefore, the shops that serve it-are to society.Īll joking aside, while running a coffee shop can be lucrative, you can also face many risks.