Coffee Shops and Cafe Insurance

Obtaining a quote for your business is simple with Oyster. You can submit an application to receive multiple quotes for General Liability, Business Owners, Product Liability, and Workers' Compensation in one place. For coverage-specific questions, our insurance experts are here to assist you.

The price for business insurance varies by several key factors depending on the type of policy you are looking for:
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• Sales: Your estimated next twelve months of revenue is typically the basis for pricing your general liability and business owner (BOP) policies. Sales is often the most important factor in determining your rate.
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• Payroll: The number of employees and employee payroll are the basis for workers compensation policies.
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• Property Value: Property policies use the value of your building (if you own it) and the value of your contents to determine how much insurance you pay for.
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• Location: Each state has a different base cost of insurance and where you are located in each state can further affect how your insurance is priced. For example, properties by the shoreline or near high wildfire zones cost more to insure.
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• Class of Business: Every business is put into a specific class that determines your rate. This class is meant to group similar businesses together for the purpose of rating. For example, classes of business include bicycle shops, jewelry stores, appliance installers, and more.

Whether you need to showcase certificates of insurance (COIs) to landlords, partners, or vendors, you can easily create and share a COI in just a few clicks through the Oyster dashboard for your active insurance policies.

We understand that your coverage needs evolve as your business grows. You can easily request updates directly through your Oyster dashboard. By partnering with over 30 top-rated carriers, Oyster offers comprehensive coverage tailored to your business, allowing you to focus on growth.