--- title: Coffee Shop Insurance in New Hampshire | HPM Insurance | Free Quotes description: Get free Coffee Shop Insurance quotes from New Hampshire insurance professionals here to provide you great coverage at competitive rates! image: https://hpminsurance.com/hubfs/Assets/Commercial/coffee%20shop.jpg --- [![HPM Insurance](https://hpminsurance.com/hubfs/HPMinsurance-Aug2017/Images/HPM_Logo_Large.jpg)](https://www.hpminsurance.com/?hsLang=en) [![Client_Portal_Small_Web_Header_600x120_transparent](https://hpminsurance.com/hs-fs/hubfs/Client_Portal_Small_Web_Header_600x120_transparent.png?width=347&height=70&name=Client_Portal_Small_Web_Header_600x120_transparent.png)](https://insurlink.vertafore.com/end-insured/2005196-1) ** [603-673-1201](tel:6036731201) - [Personal Insurance](https://hpminsurance.com/personal-insurance-quotes-new-hampshire) - [Auto Insurance](https://hpminsurance.com/car-insurance-new-hampshire) - [Corvette Insurance](https://hpminsurance.com/corvette-insurance-new-hampshire) - 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Operating a coffee shop in New Hampshire may appear fun, but has its challenges given the substantial investment required.  The resources poured into a cafe need to be protected, and coffee shop insurance can help do just that.  Though there is not a specific coffee shop insurance policy, HPM Insurance can craft an insurance protection program with various [commercial policies](https://preview.hs-sites.com/business-insurance-new-hampshire), to meet the unique needs of your cafe. Does your cafe serve food, allow open-mic night, display artwork, or serve beer and wine?  Make sure your insurance coverage keeps up with what your coffee shop is doing. ## What Businesses in New Hampshire Need Cafe Insurance? Many different New Hampshire businesses that might benefit from the protections afforded by a cafe insurance policy. Some examples of operations that may want to consider this type of insurance include: - Coffee shops - Cafes - Bagel shops - Bakeries - Delis - Bistros ## What Coverages Do Cafe Insurance Policies Make Available? The exact coverages that cafe insurance policies offer can vary, but there are several commonly available coverages that coffee shops and similar businesses might want. Some of the more frequently offered and chosen protections include: - [**General Liability Coverage**](https://hpminsurance.com/general-liability-new-hampshire?hsLang=en), which may cover common accidents that occur on a cafe’s premises and result in third-party injury - [**Product Liability Coverage**](https://hpminsurance.com/product-liability-insurance-new-hampshire?hsLang=en), which may cover illnesses and injuries caused by sold products (possibly including drinks and foods) - **Building Coverage**, which may cover a cafe-owned building and secondary structures - **Tenants Betterment Coverage**, which may cover cafe-made changes to a leased space - **Contents Coverage**, which may cover business property, equipment, furniture and other items in a cafe - [**Equipment Breakdown Coverage**](https://hpminsurance.com/equipment-breakdown-coverage-new-hampshire?hsLang=en), which may cover coffee makers, espresso machines, ice machines, and other equipment if it malfunctions - [**Liquor Liability Coverage**](https://hpminsurance.com/liquor-liability-insurance-new-hampshire?hsLang=en), which may be applicable if your cafe serves craft beers or wine options  Along with these protections, cafes might also want to consider protections like [commercial auto coverage](https://hpminsurance.com/commercial-auto-insurance-new-hampshire?hsLang=en), [business interruption coverage](https://hpminsurance.com/business-interruption-insurance-new-hampshire?hsLang=en) and [commercial umbrella coverage](https://hpminsurance.com/commercial-umbrella-insurance-new-hampshire?hsLang=en). A knowledgeable insurance agent who’s familiar with cafe policies can help individual coffee shops and cafes select the protections that make sense for their situation. ## Do Coffee Shops Need a Workers Compensation Policy? By law, a coffee shop, or any business, that hires employees need [workers compensation insurance.](https://hpminsurance.com/workers-compensation-insurance-new-hampshire?hsLang=en) Worker's compensation can cover loss of income and/or medical or death benefits if an employee is injured on the job.  This coverage is not included in cafe insurance or business owner's policies but rather is purchased separately via a stand-alone policy.  ## Are Coffee Shop Policies Expensive? Premiums for coffee shop policies tend to be affordable, especially in light of the potential cost of a major claim. Some of the factors that may influence how much a particular coffee shop pays for a policy include the: - Location and size of the cafe - Number of customers served by the cafe - Menu items offered by the cafe - Number of past claims filed by the cafe - Coverages, limits and endorsements included in the policy An independent agency, like HPM Insurance, can help coffee shops find the coverage they need at a cost they can afford by comparing coverage and quotes from multiple insurance companies. ## How Can Coffee Shops in New Hampshire Get Coffee Shop Insurance? For help insuring a coffee shop in New Hampshire, contact the team at HPM Insurance. Our independent insurance agents have the freedom to get you quotes from several insurance companies in the state, and they have the expertise necessary to help you select the quoted coffee shop insurance policy that will best protect your coffee shop or cafe. ## Get a Free Quote! ## Get A Quote - ### Don't Wait. 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