Café & Sandwich Shop Insurance

Quotes currently processed within 1 hour

Whether you need to insure a café, sandwich shop, or coffee chain, our quality product covers the replacement value of high-value business equipment, ensuring any damage or loss is covered.

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Features & Benefits

  • A-rated capacity provided by Hadron or Accelerant

  • Cover for outdoor seating and catering

  • Coverage can include food delivery (including third-party deliveries)

  • Skilled underwriters ensuring prompt response to quotes

  • Total MD/BI sums insured up to £15 million (per location)

  • Highly competitive rates with generous commission levels

  • Quotes processed within 1 hour, urgent cases always prioritised

  • Claims managed by Sedgwick, a specialist claims management company

  • 30% of quotes returned instantly

Businesses Covered

We can provide terms for almost any type of café, including but not limited to:

  • Cafés
  • Themed cafés
  • Coffee & tea shops
  • Sandwich shops
  • Activity cafés
  • Food Kiosks and Food Courts

Cover Highlights

  • Business interruption – £500,000
  • Goods in transit – £2,000
  • Money – £5,000 in transit / £2,000 in safe
  • Deterioration of stock – £2,000
  • Glass cover – unlimited
  • Public & products liability – £5,000,000
  • Employers liability – £10,000,000
  • Legal expenses – £100,000
  • Buildings
  • Contents
  • Tenants’ improvements
  • Stock
  • Electronic business equipment
  • Delivery

Additional Information

Cafés are typically open during the day and close by 5pm. If your client operates later, the risk will need to be quoted as a restaurant.

If you are unsure get in touch via our online chat or call 0333 032 5000.

Please click here for your tailored online quotation

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