Coffee shop insurance cost
Pick a coverage to see the published figure, type a quote to compare, and tick coverages to add up a yearly budget.
How to use the coffee shop insurance cost tool
- Pick the row in the published table that matches the coverage you need: business owner’s policy, general liability, workers’ compensation, liquor liability or commercial auto.
- For that row, note the published figure shown per month and per year.
- Check the limits beside the figure. The page lists limits only where the source gives them. For instance, business owner’s policy is listed at $1M per occurrence / $2M aggregate, with a $1,000 deductible.
- If you have a quote, type it into the quote field and pick “per month” or “per year” (optional).
- The output then shows how far your quote sits above or below the published figure.
- To add figures to the budget, open “More options”.
- Under “More options”, enter your annual revenue and number of employees.
- Tick the coverages you want included in the budget.
- Once you have typed annual revenue or employees, the share of revenue and the amount per employee appear. Both come from the coverages you ticked.
- Ticking more than one coverage makes the tool add the published medians, with a warning that a sum of separate medians is only a rough budget. When your quote is far from the published figure, the tool suggests checking the period and the limits the quote includes.
Every calculation runs in your browser, and nothing is uploaded, so the figures you type never leave your device. The page does not request contact details.
What does coffee shop insurance cost?
The published figures show what cafe and coffee shop operators paid through Insureon, most of whom had fewer than five employees. For each coverage, the source gives a monthly and an annual figure, and this page repeats them without change.
Why are the figures called medians?
Figures come from Insureon’s cost page for coffee shops and cafes, updated 16 September 2026. The source uses both the words median and average, and this page sticks with “published median” so the figures are described the same way throughout. A median is the middle value of the figures the source used.
Why is a total of separate figures not a bundle price?
Every coverage has its own median, so adding them together does not give the price of a combined policy. This page says so directly. A bundle is priced by an insurer or agent, and only a quote from them reflects that price.
Which figures apply to food and beverage businesses?
Figures for liquor liability and commercial auto are stated for food and beverage businesses, and coffee shops fall within that group. In the source, the other figures are stated for cafe owners.
How is the difference from a quote worked out?
The tool converts your quote into a yearly amount and shows how far it sits above or below the published yearly figure for the row you chose, as a percentage. It reports a match when the two are the same. Pick “per month” or “per year” to match how your quote is written, so the comparison uses the same period.
How are the share of revenue and amount per employee worked out?
Share of revenue is the yearly total of the coverages ticked for the budget divided by your annual revenue, shown as a percentage. Amount per employee is that same yearly total divided by your number of employees.
Which limits does the page show?
Limits appear only where the source states them. The source lists $1M per occurrence / $2M aggregate for business owner’s policy, general liability and liquor liability, plus a $1,000 deductible for the business owner’s policy. No limits are stated for workers’ compensation or commercial auto, so none are shown for those rows. Both appear only when you have typed the matching figures under “More options”.
Sources (checked 15 October 2026): insureon.com
Worked examples
| Input | Result |
|---|---|
| Business owner's policy (BOP) | 2 coverage(s) added up from the published medians: $208 a month, $2,486 a year |
| Business owner's policy (BOP), quote $160 per month | Your quote of $160 a month ($1,920 a year) is 27.4% above the published median of $126 a month. |
| General liability, revenue $120,000 | 2 coverage(s) added up from the published medians: $208 a month, $2,486 a year |
| Business owner's policy (BOP), revenue $150,000 | 2 coverage(s) added up from the published medians: $208 a month, $2,486 a year |
Calculated by the tool above; open it with the same values to see each step.
Frequently asked questions
What is the coffee shop insurance cost on this page?
This page lists the monthly and annual figures published on Insureon’s cost page for cafes, last updated 16 September 2026. They are medians, not quotes.
Does the tool give me a quote?
No. You enter a quote, and the tool sets it against the published figures. It never creates a quote or points you toward an insurer.
Where do the numbers come from?
Insureon, the source named on the page, supplies each figure. Nothing is estimated by the tool itself.
Is my information sent anywhere?
Calculations happen in your browser, and no data leaves it. You are never asked for contact details on this page.
Why do the limits sometimes not appear?
Limits appear only when the source gives them. If the source lists none, the figure appears without a limit.
Can I use the tool for a business other than a coffee shop?
The source’s published figures cover cafe owners only. Liquor liability and commercial auto appear under food and beverage businesses, a group that takes in coffee shops. Owners of other types of business should confirm their own figures with a licensed insurer or agent.
Who should I ask for a price?
For a quote tailored to your business, speak with a licensed insurer or agent. Figures from this tool are rough estimates and nothing more.
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