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Coffee Shop Insurance

Bakery and Coffee Shop Insurance by Precision servicing cities in the Inland Empire and across Southern California

Wholesome Muffins Like This One are Often sold In Coffee Shops – Yum!

 

Bakery and Coffee Shop Insurance Package’s

Coffee shops are a favorite business for California entrepreneurs. Opening cost are low, as are ongoing operating expenses. Often, the first attempt at a business plan leaves out costs of all the insurance you need for a coffee shop business.

 

State Required Insurance

In California, two types of coffee shop insurance policies are required.

 

Workers’ Compensation Insurance (WC)

Throughout California by state law businesses with employees must buy WC for any business with one employee other than the owner. It covers your employees from illness or injury that is job related. If one of your employee spills coffee on his or her arm and suffers a second degree burn, that employee needs medical attention and will be off duty for about two weeks. Worker’s Compensation pays all eligible medical costs and replaces lost wages.

 

Business Vehicle Insurance

If your business owns a vehicle or an employee or you use your private car, this insurance covers any damages or injuries resulting from vehicle use during business operations.

 

So, the two above policies are all you are required to have to run your coffee shop in California by law. Coffee shops across California including Fontana, Rancho Cucamonga, Pomona, and Upland are some of the places that coffee shops insure with our independent agency in Montclair.

 

Precision Insurance Suggestions for Coffee Shops

The likelihood of an insurance claim from a customer or other outsider is higher than in other businesses. Customer injury can occur from a coffee spill and the coffee is too hot. A passerby outside slips and falls on your sidewalk, injures himself and breaks his watch when he falls.

 

General Liability Insurance

General Business Liability, also called GL, protects you, your employees and your business from the legal liability of incidents such as the above examples.

 

However, Coffee shop businesses across the state, from places like Chino, Upland, Riverside, and Ontario are just some of the locations that Precision Insurance, offers insurance advice and a more robust type of General Liability Insurance program as an alternative to a standard GL policy. This insurance is also known as a Business Owners Policy or BOP.

 

Business Owners Policy

Everything available in a BOP is also available in separate policies. The advantage of a BOP is that the right endorsements can fill all your needs in a single policy. In other words, your independent insurance agent helps you choose a “custom” policy.

 

BOP insurance is like regular GL and other liability policies in that it has deductibles and limits. Both which have a huge influence on price.

 

But, as well as general liability protection, it also protects you and your company from:

 

  • Loss of buildings and contents owned by your company.
  • Business Interruption Service that protects you and the company from loss of income due to a fire or other major events that shuts your business down. It also includes (if you choose) provision of funds to cover the costs of operating out of a temporary site.

 

However there are things that a business owners policy never cover. These are:

 

  • Worker’s Compensation Insurance
  • Health and disability Insurance

For these risks you need separate policies.

 

Umbrella Insurance

When you reach the limits of your general liability or BOP insurance or your commercial insurance policy in a calendar year, umbrella insurance continues up to the policy limit.

 

Coffee shop owners have other risks they can protect. Contact Precision Insurance, check out our Google Plus page, or call them at 909-752-0239. If you call, we can set up a personal phone consultation of an in-office consultation at our Montclair office at 4875 W Mission Blvd, Unit C, Montclair, CA 91763.