Cafe insurance
In-house coffee roasting
Roasting in-house sets a cafe apart. It also adds a heat source, combustible chaff, and a packaged product.
What insurers ask
- Roaster make, size, and fuel type
- Chaff collection and cleaning schedule
- Ventilation and afterburner
- Whether a roaster is attended at all times
- Wholesale and online bean sales
Request pricing for roasting coverage.
Frequently asked questions
Will my cafe policy cover a roaster fire?
Tell your insurer before installing a roaster. Some policies require details or an endorsement.
Do I need product liability for bagged beans?
Selling packaged beans wholesale or online increases products exposure.
Does chaff matter?
Chaff collectors and afterburners are common fire-safety questions.
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