- Sales and the share of food versus drinks
- Seating, patio, and square footage
- Drive-through or walk-up window
- In-house baking or roasting
- Equipment and improvement values
- Payroll and staff count
- Beer or wine service
- Events and catering
- Claims history
Frequently asked questions
Does a drive-through change pricing?
It can, through liability and auto-related exposure.
Does roasting matter?
Yes, roasting adds fire and product questions.
Do seats matter?
Seating and square footage affect liability and property.
More coverage and guides
- Hot beverage burns and liability
- Espresso machines and equipment breakdown
- Business owners policy for cafes
- In-house coffee roasting
- Workers' comp for cafes
- Spoilage and utility interruption
- A cafe day, hour by hour
- Wi-Fi, card payments, and cyber coverage
- Allergens and bakery labeling
- What affects cafe insurance cost
- Cafe application checklist
Last updated October 15, 2026 · How we research