We offer an alternative to traditional business insurance for Coffee Shops. Just fill in your details below and we’ll contact you for a quote.






 Looking for Coffee Shop Insurance?

The Retail Mutual is dedicated to providing a specialist alternative to traditional insurance for the independent retail community. Run by retailers for retailers, we exist to help give you peace of mind and are passionate about protecting the independent retail businesses on our high streets.

What Does Coffee Shop Insurance offer?

Coffee shops are a great place for people to relax and rejuvenate, where you can serve your customers with their favourite beverages and food items they enjoy. Serving so many customers throughout the day, it’s important you find the right coffee shop insurance to meet your needs. A spilt hot drink, a burn from your equipment or even a simple slip or fall could place your business under huge financial pressure.

An Alternative to Coffee Shop Insurance

The Retail Mutual is people-focused, operating solely on the behalf of our Member community to offer a compelling alternative to traditional business insurance. We’re passionate about protecting the independent stores on our high streets in local communities across the UK. Run by retailers for retailers, we specialise in providing food and drink business cover for your high-street store, and our business cover alternative to traditional coffee shop insurance is no exception.

Independent coffee shops face stiffer competition than ever before. You want to differentiate yourself from popular high street stores and make your coffee shop the go-to meeting place in your area. With a high footfall during your opening hours, this can leave you vulnerable. Accidents and injuries to customers and staff may be unavoidable, and without an effective protection plan or coffee shop insurance in place, your business could be financially liable.

The risks your shop faces extend far beyond opening hours. Break-ins and violent crime can cause significant damage to your property, incurring thousands of pounds in damage. Finding the money to cover these costs can be extremely difficult, and that’s where The Retail Mutual can help. We recognise that the variety of risks you face can be overwhelming, which is why we aim to help you identify the cover types you may require for your individual business. We can then create a flexible alternative to coffee shop insurance that safeguards both your business and your premises.

Use our contact form to get in touch with us today.

What Coffee Shop Cover do you Need?

We offer an alternative to traditional coffee shop insurance. Here are some of our cover options available:

  • Public Liability Cover – Whether it’s a burning cup of spilled coffee or a slip on a wet floor, you’re responsible for your customers’ safety. Our Public Liability Cover offers protection up to £5 million should a customer make a claim against you.
  • Employers’ Liability Cover – Regardless of whether an employee is full or part-time, it is important that you have Employers’ Liability Cover. If an employee becomes ill or is injured in your workplace and decides to make a claim, we offer up to £10 million of protection.
  • Contents and Stock Cover – Your coffee machines, fridges and any other equipment you have are essential for running your business. Our Contents and Stock Cover protects this equipment should it be stolen or damaged.
  • Business Interruption Cover – If an incident occurs that damages your coffee shop, Business Interruption Cover can help to keep your business afloat until it is back up and running. For example, if you experience property damage, you’ll need time to make repairs. We offer up to £500k as standard.

     Benefits for Coffee Shops

  • We don’t charge admin or cancellation fees
  • We provide flexible cover to suit the needs of individual businesses
  • Our payment plans are interest-free
  • We operate a UK-based call centre to provide simple and efficient service
  • We offer accidental damage and fixed glass cover as standard

What Makes us Different?

We are a mutual, operated by our Members on behalf of our Members. We have developed long-lasting, close relationships with thousands of small high street stores across the UK and are here to support them when they need it most. We recognise that when a claim is made, your circumstances can be extremely stressful. We aim to provide a quick and hassle-free claims process. Our experts use simple, jargon-free language to explain your options clearly, so you can make the best-informed decision for your coffee shop.

Since we began in 1999, we’ve been supporting retail businesses and sharing in their success. Even our Board of Directors are Members of the Mutual themselves, all of whom have first-hand experience of working within the retail sector.

What Else do we Offer?

We don’t just offer an alternative to coffee shop insurance, we offer a wide range of business cover options for restaurants, cafes and independent retail stores. View our alternatives to cafe insurance, takeaway insurance or restaurant insurance, or browse our product range for more information on your cover type. Interested in becoming a member? Fill in our contact form or call us on 0333 2121 280 today.

When I arranged my Business Cover with The Retail Mutual, the team were fantastic with a friendly, informative and professional service. Thank you especially to Laz and Gary for your assistance, I couldn’t have asked for more.

Laura Fisher, Basingstoke

We would definitely recommend the Mutual. We were given loss of earnings on three occasions when we asked, which kept the business solvent. Being closed for six weeks over the Christmas period, which is our peak trading time, could have been a financial disaster but the interim payments were a godsend

Mr Baillie, Perth

Many thanks to the team who dealt with my claim so quickly and efficiently, it was greatly appreciated.

Mr McHugh, Hungerford

Call us today on 0333 2121 280 or complete a quote request here

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