Common questions about Coffee shops and cafes
Answering the most frequently asked questions about Coffee shops and cafes.
Does outdoor seating change anything?Gravity Certs2026-08-17T23:04:58-04:00
It adds premises exposure and sometimes municipal permit requirements. Disclose it.
Is my POS a cyber exposure?Gravity Certs2026-08-17T23:04:57-04:00
Yes. Card data and loyalty apps make cafes routine breach targets regardless of size.
Am I covered for food I prepare?Gravity Certs2026-08-17T23:04:57-04:00
Product liability within your general liability responds to foodborne illness and allergen claims.
Are burn claims common?Gravity Certs2026-08-17T23:04:56-04:00
Yes, and they’re the signature claim in this class alongside slips. General liability responds.
What if my espresso machine fails?Gravity Certs2026-08-17T23:04:56-04:00
Equipment breakdown covers repair and lost income. It’s usually the single point of failure for the business.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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