Coffee Shop Insurance from DRickard Insurance Your Favorite Insurance People

FAQs Coverage Options Types of Companies Served

Coffee Shops

We all love a good coffee shop, and we want you to stay in business. One way to do that is to get the most out of your insurance premiums. DRickard Insurance has many insurance companies willing to work with coffee shops. Wholesale insurance and retail coffee shop insurance packages may be found through our agency.

Once again, we see that one size does not fit all. Please contact us so we can build a customized insurance package you help design for your own needs. 607-843-8860 insurance@drickardinsurance.com Insurance products to consider include coverage for:

Business Property Auto Employees Liability Cyber

We are happy to arrange insurance for coffee shops from Albany to Amherst, Long Island to Lockport, Jamestown to Johnstown, Yates to Yorktown and everywhere in between. (We don't have any Z communities)

We work hard to be your favorite insurance people and source for all of your insurance needs. By doing most business over the internet and through the mail we save our customers time and money.

The size of your coffee shop does not matter to us. Whether you are a Large chain shops or a small family owned business. We can help you with nicely priced products from several competing insurers.

You might be a coffee shop with a small store front, we have many choices of insurance products for you also. Then again, you might be a wholesaler with distribution. Once again we are pleased to build a package of policies because we have many solutions for the entire operation. For fee details call 607.843.8860. If you have us design a policy or policies with companies that we represent as an agent we do not charge a fee.*

Costs, what are the average costs? Many times small coffee shops are covered to the extent the owner wishes for under $500. However this may not be enough coverage for other coffee shops. There is also the need for employment insurances for coffee shops like Workers Compensation and New York State Disability. The way your business works and your business strategy should be considered when creating your insurance protection strategy. We want to build a insurance plan for you. Contact us for an insurance plan designed to fit your business strategy and needs.

What would be the best insurance for a coffee shop? That depends on the shop. Below is a list of some common insurance solutions.

For more information on each item click here. For candy store insurance focused thoughts see the notes beside each insurance coverage.

Coverage Options Available:
- Building
  - Glass - Most often what we see is that the shop does not own the building it occupies. This is even the case when the building and the shop have the same ownership. Usually the windows are contractually the responsibility of the store tenant. Because of this, a special endorsement may be needed on your policy protecting you from this contractual liability.

Business Personal Property
- Fixtures - Many times you must upgrade the building you occupy by attaching fixtures, beautification and lighting elements to the building. This now makes the enhancements part of the building. To cover your interest in these a special endorsement may be needed on your policy.
- Inventory -
- Refrigerated Products/Spoilage - To get this coverage at the best price you should keep an active contract with your HVAC up to date and have your refrigeration and freezing units serviced regularly.
- Property of Others - Refrigeration, beverage systems and display cases are often provided by your vendors. You are responsible for them, therefore you need to insure them.
Loss of Use of premises
- Additional Expenses - In the event of a loss not only do you lose the use of the premises, your expenses increase as you try to keep you customers. This is especially the case of a wholesale confectioner. Serious consideration of this coverage is needed if this is your concern.

Liability
- Commercial General Liability
- Personal Injury Liability
- Products Liability - Is especially important when food and prepared food is your product. There are some policies that do not include this type of liability. Yet another reason you should contact DRickard Insurance for you Insurance needs. 607-843-8860
- Cyber Liability - You have a legal responsibility to protect consumers from there information being stolen. If it is stolen you have a legal responsibility to help the possibly harmed consumers. A loss could financially cripple you business. You take credit cards for payments all day long. Criminals want that information and are trying to get it. Your staff may be one of those criminals you need this protection!
- Liquor Legal Liability

Identity Theft and Cyber Crime - Both businesses and persons are falling victim to these crimes. The more your information is digitally available the more you, your customers, and your business is exposed. The government has made rules about how a business must protect the public and what the business must do if there is a security breach. In many cases an uninsured breach will destroy your company.

Premium Saving Ideas

Pay in full
Trade association discounts
Sprinkler system discounts - Qualifying systems save you from 10% to 40% depending on the details on your restaurant insurance premiums.
Multiple Policy discounts - When we place a combination of your Business Owner's Policy, Commercial Auto Policy, Worker's Compensation Policy and perhaps others with the same insurer we can often build up savings on the package of insurance.

Employment Insurances

Workers Compensation - Required of all employers in New York State. NYSIF is not your only option. Qualifying restaurants may be eligible for Restaurant Safety Group insurance that significantly saves its members on net cost dollars.
NYS DBL - A short term disability policy required of all employers in New York State
- The policy we sell most may include at your discretion many benefits you usually only see in other optional benefit policies at a comparative savings.
Optional Employee Benefits
- Retirement
  - Employer Funded
  - Employee Funded
  - Both Employer and Employee Funded
- Life
- Disability
  - Long Term (to age 65)
  - Short Term (24 month benefit period
- Key Employee
  - Business Overhead Protection
  - Buy Out

*Fees will be charged for products that we do not sell directly or for representing you to insurers as a broker, for consulting service where no insurance product is sold, or for handling NYSIF Workers Compensation policies in any capacity.