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Why do juice bars need insurance?
It takes time, money, and a good location to open a successful juice bar. Business insurance protects your investment financially against theft, fires, injuries, and lawsuits. It helps you reopen quickly after an incident, and it's often required by state laws and commercial leases.
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With Insureon, juice and smoothie bars can get insurance coverage the same day they apply for quotes.
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What types of business insurance do juice and smoothie bars need?
These insurance policies cover the most common risks of running a juice bar.
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage under one plan. It’s often one of the most economical options for a juice bar.
BEST FOR
- Customer injuries
- Business property damage and theft
- Business interruption incidents
Workers’ compensation insurance
Most states require workers' comp for juice and smoothie bars that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
General liability insurance
This policy covers basic third-party risks, such as a customer who slips in a juice bar and suffers an injury. It’s required for most commercial leases.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel and slander lawsuits
Commercial auto insurance
This policy covers medical bills and property damage in an accident involving your juice bar’s vehicle. It can also cover damage to a vehicle caused by weather or vandalism.
BEST FOR
- Property damage caused by your vehicle
- Injuries caused to another person
- Repairs due to vandalism or weather
Liquor liability insurance
This policy covers legal fees, property damage, and medical costs if alcohol is served or sold at a juice bar to a visibly intoxicated person who then harms others.
BEST FOR
- Injuries caused by overserved patrons
- Property damage caused by overserved patrons
- Legal defense costs
Cyber insurance
This policy helps juice bars recover from cyberattacks and data breaches. It's recommended for any business that stores customer information.
BEST FOR
- Data breach notification costs
- Fraud monitoring services
- Cyber extortion payments
Looking for different coverage? See more policies.
How much does food and beverage business insurance cost?
A small juice shop will pay less for insurance than a larger company.
Factors that affect premiums include:
- Type of food and beverage business
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
Why do juice bars need insurance?
It's easy to get juice shop business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your juice bar or smoothie shop, whether you work independently or hire employees.
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