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Cafés & Sandwich Shops

Cafés & Sandwich Shops

The history of insurance is directly linked to a 17th Century Coffee House owned by Edward Lloyd. The history of Direct Business Insurance is also connected to coffee shops and cafés, as we have specialised in providing thousands of them with best priced, widest-ranging cover for over 12 years.

During this time, our Café package has evolved to better safeguard our policyholders, so whether you’re busy serving your customers with the perfect eggs on toast or espresso you can be sure of the very best business insurance protection.

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*This is an indicative quotation only. Formal quotations are all dependant on factors such as post code, location & claims history. Please contact our Client Services Team to discuss your specific business insurance requirements.


Your couch. It is mine.

Unbeatable price

We guarantee to beat any competitor’s price by at least 15% on a ‘like for like’ basis.

Unbeatable cover

Our competitors simply don't offer what we include in our standard package.
In addition to the Core Cover protecting your Property, Liabilities and Business Interruption we include the following:
Equipment Breakdown

Covers you against loss caused by or resulting from an accident to covered equipment

Business Interruption from Breakdown

Covers loss of gross profit arising from an insured event

Employee Theft

Covers you for direct financial loss as a result of employee theft

Personal Accident

Covers key named staff if they sustain bodily injury whilst on the premises or undertaking business

Every benefit as standard – all inclusive cover at an all inclusive price

Core cover included in your Restaurant Insurance Policy
Protection for business contents & stock

'All Risk' cover against loss or damage to your contents (e.g. furniture and computers) and stock up to the amount specified by you

Public & products liability

Covers you up to a limit of £5m if a member of the public is injured at your restaurant or becomes ill after eating the food

Employers' Liability

Covers an employee in the event of an injury caused by your restaurant business, including damages, legal costs, and expenses


Our panel of insurers is led by LV (Liverpool Victoria), the UK’s most recommended insurer. All panel members are approved by RiskAlliance and the Financial Conduct Authority.

LV is focused on doing the right thing for the people that buy their products and services - their customers. On a day-to-day basis they do this by putting their customers at the centre of everything they do and by living their mutual and ethical values.

Over 5.7 million customers, of which 1.1 million are members
Over 6,000 employees working in 16 offices across the UK.