Your One-Stop Resource for Beverage Shop Insurance
Anybody can brew a cup of coffee, but with insurance specifically designed for a coffee shop, the future of your business is protected. Your customers come to your beverage shop because it’s their home away from home – or their office away from the office. But serving a cup of joe, a sandwich and access to the Internet makes you different from other restaurants, both in your products and your coffee shop insurance needs.
Whether you are the neighborhood coffee shop serving the best espresso and pastries in town or the chic coffee bar serving gourmet coffee drinks, the Lambert Agency® understands your unique needs when it comes to choosing a coffee bar insurance policy.
Let us partner with you and take some worries off your plate. We’ve been providing professional, personal service for more than 80 years. And since insurance for coffee shops is one of our specialties, we can work with you to select a plan that fits your business and your budget.
Learn More About Coffee Shop Insurance
To get you started, here are some common concerns beverage shops have in common, along with some ways we can help with trusted coffee shop insurance and some tools you can use to help yourself. When you’re ready to speak to an agent, call us at (205) 879-7283 and ask for your free coffee shop insurance quote.
Why the Lambert Agency Is the Right Blend for Beverage Shop Insurance
You probably have questions about the best ways to protect your beverage shop. Here are a few of the most commonly asked questions related to business insurance for your business. Contact the Lambert Agency to help answer additional questions.
Q: How does the Lambert Agency understand that beverage shops are different from other businesses?
A: While many coffee shops offer pastries, soups and even sandwiches, we understand a smaller menu means your coffee shop has lower chance of a fire than a full-service restaurant. And because of that, the Lambert Agency can reward you with lower rates.
We also know that you have plenty of things to think about without adding insurance to the list. We can help handle your business insurance so you can put more energy into serving your customers.
Q: What specific coverages do beverage shops need?
A: Beverage shops offices need:
- Property Coverage
- General Liability Coverage
- Medical Payments Coverage
- Spoilage Coverage
- Food Contamination Coverage
- Utility Services Coverage
- Equipment Breakdown Coverage
- Business Auto Coverage
- Business Umbrella Coverage
Q: Does the Lambert Agency offer these coverages?
A: Yes.
Q: What type of coverage is often overlooked in the beverage shop industry?
A: Equipment Breakdown coverage – Coffee shops typically have expensive equipment, such as coffee grinders, roasters, mixers and coffee machines. If they break down, the replacement is costly. Most insurance companies automatically include this coverage, but some require it to be added separately. Make sure you ask your agent about this coverage.
Flood insurance – the Lambert Agency does not offer flood insurance, but your agent can connect you to the National Flood Insurance Program, which is a government-sponsored insurance that offers up to $500,000 in coverage.
Ordinance or Law – This insurance can protect you if your building is ordered to be torn down and rebuilt to code after a loss. Many times, extra expenses are involved that cannot be accounted for when your building is valued. This coverage will not only pay for the damage to your existing building, but also for the undamaged portion that is to be torn down, the demolition costs and the removal of the debris.
Q: Is the Lambert Agency willing to cover a coffee roaster?
A: Yes, and we will work with you to make sure it is properly wired and vented.
Q: Does the Lambert Agency offer safety tips and services?
A: Yes, we offer free safety bulletins, online safety training and an online risk assessment tool.
Q: I am considering adding sandwiches and salads to the menu. Can the Lambert Agency still meet my insurance needs?
A: Yes, we will work with you as your coverage needs change.
Q: I understand I have coverage for burns at my shop. What about if they are burned when they leave my shop?
A: General Liability Coverage can protect you if a customer is burned by your hot drinks, regardless of where it happens.
Q: Does the Lambert Agency offer insurance for my company vehicles or for my employees driving their own vehicle doing errands for my business?
A: Yes. We offer Business Auto Coverage and Non-Owned Auto Coverage.
Q: What is umbrella insurance?
A: It’s a way to add higher limits to your existing insurance. For example, if your current liability policy covers a $1 million lawsuit and you are successfully sued for $2 million, umbrella insurance can cover the difference. Best of all, we can provide this excess liability coverage over your business vehicles as well as your business liability.
Q: Can the Lambert Agency meet all of my insurance and financial needs?
A: Yes. We offer a full range of personal and business insurance products. We also offer financial services, mortgage and banking services. This means we can cover your home, personal autos, business vehicles, workers compensation, life insurance, business property and liability, personal and commercial umbrella, mortgages, loans and investments.
Q: If I have several locations, do I need to have several policies?
A: No, the Lambert Agency can all of your locations on one policy, saving you money.
Q: How is the Lambert Agency rated and what does this rating mean?
A: Nationwide is rated A+ (Superior) by A.M. Best, an independent insurance benchmarking group. The superior rating is assigned to companies that have a superior ability to meet their ongoing obligations to policyholders.
Q: What can you do to help me as my business changes?
A: We offer periodic insurance reviews of your business and your coverage. These reviews are triggered by opening a new location, adding on to existing space, starting to offer higher value food, changes in the industry from court rulings, when a claim has been made and at renewal time. All of these moments have insurance coverage implications, and we want to make sure you are adequately protected.