Cafe insurance
Wi-Fi, card payments, and cyber coverage
Cafes run on card readers, online ordering, loyalty apps, and free Wi-Fi.
- Separate guest Wi-Fi from your POS network
- Use multi-factor login for ordering platforms
- Train staff on phishing and fake invoice scams
- Ask about cyber coverage for breach response and funds transfer fraud
Frequently asked questions
Can a small cafe be breached?
Yes. Point-of-sale malware and phishing affect small businesses.
Is cyber included in a BOP?
Sometimes as a small endorsement; standalone policies offer broader limits.
Should guest Wi-Fi be separate?
Separating guest and business networks is a common control.
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