Hot beverage burns and liability
Why spilled coffee and tea are a cafe's signature liability claim, and how general liability and products coverage respond.
Espresso machines and equipment breakdown
Espresso machines, grinders, refrigeration, and ovens: why equipment breakdown coverage matters to cafes.
Business owners policy for cafes
How a BOP packages liability, property, and business income for a cafe, and what it leaves out.
In-house coffee roasting
Roasters bring fire, ventilation, and product questions. What changes when a cafe starts roasting.
Workers' comp for cafes
Steam burns, knife cuts, slips, and repetitive strain: workers' comp for baristas and bakers.
Spoilage and utility interruption
Milk, pastries, and refrigerated stock lost to power outages or equipment failure.
Last updated October 15, 2026 · How we research