Business insurance for coffee shops

Protect your coffee shop with insurance that’s brewed-to-order and very satisfying.

Why you need coffee shop insurance

Your coffee shop or tea shop isn’t just any business. It’s an essential part of your customers’ lives. Which is why you should let State Farm® help you create a policy that blends the right coverages for your coffee shop, so you can focus on the daily grind.

  • Hot and cold beverages are your stock and trade, but they can also be your worst nightmare. Burns and slip-and-fall injuries happen, and if they happen at your coffee shop, you could find yourself in some very hot water.
  • Speaking of water, your coffee shop relies on its plumbing. A broken pipe could damage expensive equipment, and when your water service is interrupted, your income can be, too.
  • Employee theft is something nobody likes to talk about. But it’s a thing, and not talking about it won’t make it go away.

Coffee shop insurance coverages we recommend

We’ll start with a package of coverages most coffee shops need. Then we’ll customize them to fit your unique business. The result? A policy that keeps you covered at a rate that’s surprisingly light and sweet.
  • Property insurance helps cover your coffee shop, its contents, equipment, and inventory from a covered claim.
  • General liability helps pay your legal expenses if you’re responsible for someone getting hurt in your coffee shop or if you damage someone else’s property.
  • Equipment breakdown coverage can help pay for covered equipment if it breaks down or is damaged by covered claims.
  • Employee dishonesty coverage helps protect you from direct physical loss to business personal property because of employees’ dishonest acts.
  • Utility interruption loss of income coverage helps protect you if you can’t operate because of an interruption in communications, water, natural gas, or electrical service due to a covered claim.

Consider adding additional coverages

Some coffee shops need additional coverage to deal with increased risk. Not a problem because your State Farm agent will work with you to understand and help meet your needs.

Commercial auto

Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

Commercial liability umbrella policy

Commercial liability umbrella policy (CLUP) gives you an added measure of protection when your covered liability losses exceed your policy limits.

Workers' compensation

Workers’ compensation helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia
recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.


Customizable insurance

We offer an array of coverage options that can be combined into one policy for you.


Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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