Commercial insurance for coffee shop owners

Are you thinking about setting up your own coffee shop? Running a coffee shop of your own takes dedication and hard work as well as an aptitude for business. Deciding on your New Jersey commercial insurance should be a priority before you open your doors for business. There are a few risks specific to coffee shops that owners would be wise to make sure they have coverage for.

• Public liability – coffee shops are generally high traffic businesses with a high volume of customers passing through every day. Make sure you are protected against the risk of being sued if a customer suffers an injury on your premises.
• Equipment breakdown – if a fridge or your espresso machine breaks down, the cost to your business could be huge. It is a good idea to have some form of coverage to help reimburse you for any losses while you find a replacement machine or re-order perishable stock.
• Business income insurance – in the event that a natural disaster forces your business to close, having insurance to help cover costs until you can re-open might mean the difference between your business surviving or having to close its doors permanently.

Some business owners choose to purchase their New Jersey commercial insurance in a package while others prefer something more tailored to their individual circumstances. For an in depth discussion of your business needs, why not give our agent a call?
 
*