Cafe Insurance

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  • £2,500 cover for food and drink in transit as standard with the option to increase
  • £10 million employers' liability as standard to cover full-time and part-time staff
  • Interest-free monthly instalments

Whether you’re running a coffee shop or a sandwich shop, MORE TH>N BUSINESS Café insurance can cater for your needs. It covers everything from property to part-time staff. And because you can get an online quote for your business in minutes, it leaves you free to focus on serving your customers.
You can also call us 0800 072 4757.

Get a quote

Policy Includes

Stock in Transit

We cover stock in transit up to £2,500 and give you the option to increase your protection - so you’re insured when you transport food to functions or collect it from suppliers

Public and Employers' Liability

Public Liability - with £2million Public Liability as standard you get peace of mind in case of accidents involving your customers or the public
Employers' Liability - our Cafes insurance includes £10million Employers' Liability cover for both full-time and part-time staff as standard

Buildings, Contents and Stock

From cutlery to cakes, your contents and stock are covered for the amount you choose, plus you get an automatic seasonal stock increase of 50% to cover your busy periods – which you get to select
If you own your café premises, we’ll provide you with cover for your buildings - and if you don’t, your policy can cover your rent payments instead

Optional Legal Expenses Cover

Optional legal expenses cover insures you for the cost of tax, property, contract, employment and other proceedings

FREE Support on Business Issues and Claims

24-hour Claims Helpline
FREE 24-hour professional helpline on legal matters, health and safety issues and stress counselling
FREE expert advice to help you with issues such as VAT and PAYE, during working hours

Get a quote

Business insurance is issued by Royal & Sun Alliance Insurance plc, which is authorised and regulated by the Financial Services Authority (Reg No. 202323). All offers subject to availability. For your protection, telephone calls may be recorded or monitored. Discounts based on prices available for like-for-like RSA policies. Apart from Van where following our May 2008 rate review over 10% of customers could pay at least 25% less. Half price breakdown is available to customers buying a Van or Business Car policy starting on or before 31st December 2008. Standalone breakdown is not available.