Cafe insurance
Espresso machines and equipment breakdown
A commercial espresso machine is the most expensive and most important piece of equipment in most cafes. When it stops, sales stop.
What breaks
- Boiler elements and pressure switches
- Pumps and solenoid valves
- Grinder motors
- Walk-in and reach-in refrigeration compressors
- Ovens and proofers in bakery cafes
Coverage notes
Standard property policies cover fire and theft but generally exclude mechanical breakdown and electrical arcing. Equipment breakdown coverage fills that gap and may include spoilage and lost income.
Request pricing for equipment breakdown.
Frequently asked questions
Does property insurance cover a broken espresso machine?
Usually not for mechanical or electrical breakdown. That's what equipment breakdown coverage is for.
Is lost income covered while the machine is down?
Some equipment breakdown coverage includes business income; check the form.
Is a leased machine covered?
Leases usually require you to insure it; list leased equipment.
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