Cafe insurance
Spoilage and utility interruption
Dairy, alternative milks, sandwiches, and pastry dough fill a cafe's refrigerators. A long outage can wipe it out.
Coverages to ask about
- Spoilage from refrigeration breakdown
- Utility service interruption from off-site outages
- Business income during the closure
Request pricing for spoilage coverage.
Frequently asked questions
Is spoiled milk covered after a power outage?
Only if you have spoilage coverage, and off-premises outages may need utility service coverage.
What limits are typical?
Limits are chosen to match your inventory values.
Does it cover a cooler failure?
Often under equipment breakdown or spoilage coverage.
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