For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
Service industries like grocery stores, restaurants, bakeries, food trucks, bars, and coffee shops usually have to shoulder a lot of responsibility because they’re selling food that people consume.
This is also the same case for juice bars, meaning that they may end up being held liable for matters out of their control.
This guide will go into the details of what you need to know about juice bar insurance. We’ll start off by addressing the various forms of juice bar insurance available before we cover how much it will cost and the best companies to do business with.
Juice bar liability insurance is one of the more common types of insurance for juice bars because of the wide range of issues that it can potentially cover you from. In essence, the primary function of liability insurance is to provide protection if someone files a claim against your juice bar.
There are different types of liability insurance. The most popular ones are general liability and public liability insurance.
General liability insurance covers costs if your juice bar is liable for the injuries or property damage of a customer, vendor, visitor, or any other third party. Purchase general liability insurance because you’ll find it handy when:
A customer, vendor, or visitor slips and falls in the premises of your juice bar
An employee can be negligent and hurt someone or damage their property while preparing and serving drinks
A customer, vendor, or visitor can trip over chairs or tables and sustain injuries or property damage
Let’s discuss the function of general liability insurance. The policy has three primary purposes, and that is to:
Cover or reimburse the medical treatment of the third party who filed a claim for bodily injuries against your juice bar
Refund the losses of the third party who filed a claim after your juice bar damaged his or her property
Pay for attorney fees, administrative costs, judgments, and other legal expenses if an aggrieved third party decides to sue in a court of law
Of course, you should know how much money you can get from general liability insurance. General liability insurance for big juice bars has a $1 million-$2 million coverage for personal injury claims or property damage claims. As for small juice bars, the policy provides $300,000-$1 million coverage.
Note that your juice bar can upscale the protection general liability insurance provides by including optional coverages to its terms. These optional coverages are:
Advertising injury coverage-Advertising injury coverage shoulder settlements, attorney fees, administrative costs, and other related expenses if a third party holds your juice bar liable for slander, libel, invasion of privacy, or copyright infringement. This has a $1 million per occurrence limit
Rented premises liability coverage-Rented premises liability coverage will reimburse the property owner if your juice bar is renting a space, which is then damaged by fire. The per occurrence limit is $50,000-$250,000
General liability insurance covers employee negligence if it causes injuries or property damage. Negligence that contributes to the aggrieved party’s financial or economic loss is excluded in the terms of general liability insurance.
Public liability insurance also covers claims of property damage or bodily injury a third party files against your juice bar. In other words, its primary function is the same as general liability insurance.
But understand that public liability insurance is more affordable because it doesn’t cover exposures that are included in the terms of general liability insurance. We recommend you get this if general liability insurance is too broad for your business.
Public liability insurance provides $500,000-$2 million coverage for bodily injuries and property damage claims third parties file.
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You need commercial property insurance whether your juice bar is a small kiosk or a dedicated commercial building that’s several square feet in size.
Commercial property insurance ensures the continuity of your business by protecting the investments needed to put it up. Understand that commercial property insurance will only protect your juice bar against these perils:
So how does the policy work? Commercial property insurance will:
Reimburse your financial losses if the flooring, roofing, glass panels, doors, fixtures, and other structures of your juice bar’s building sustains damage
Recoup your losses if your juice bar business is destroyed
You can include contents coverage in your juice bar’s commercial property insurance. Contents coverage will reimburse your financial losses if the following items become damaged or destroyed:
Oven and grill
Storage containers and shelvings
In case you decide to claim it, how much money can you get from commercial property insurance anyway?
By default, commercial property insurance provides a $10,000-$25,000 reimbursement for business property damage. However, you can always customize and choose to get more. And so, it’s possible for you to get $50,000 or more from the policy.
Some insurance companies sell commercial property insurance providing a replacement cost coverage or actual cash value coverage.
To make it quick, in an actual cash value coverage, commercial property insurance provides reimbursement based on the depreciated value of your business property. On the other hand, replacement cost coverage means that the policy will refund your loss based on the original market value of the business property covered.
Workers compensation insurance is a coverage for the employees of your juice bar business. You purchase this in order to cover employee work-related injuries without using business funds. These are the situations where you’ll find workers' compensation insurance useful:
Employees sustaining wounds while slicing fruits
Blenders cutting employees
Hot surfaces burning the hands or fingers of employees
Slip and fall accidents
Employees sustaining repetitive stress injuries due to fast continuous motions while working
You claim workers' compensation insurance when an employee asks for compensation after sustaining a work-related injury. It covers the following costs:
Ambulance/emergency treatment-Workers compensation insurance will cover ambulance fees if your juice bar’s employee needs to be rushed to the hospital after a workplace accident. It will also cover the following emergency treatment fees
Hospitalization-Your employee can count on workers compensation to cover bills if he or she needs to stay in the hospital because the injury sustained is severe
Medication-Workers compensation insurance provides money that an employee can use to buy medicines needed to heal from a work-related injury
Rehabilitation-Your employee will receive money from workers compensation insurance that can be used to pay for therapist fees, retraining, rehabilitation equipment, and other related expenses
Lost wages-Your juice bar needs to provide compensation for lost wages if an employee can’t work because of a work-related injury. Workers' compensation insurance takes care of this. It gives your employee a weekly allowance equal to two-thirds of the average weekly wage
Death benefits-Workers compensation insurance will cover funeral expenses and provide an allowance to dependents if your employee dies due to a work-related injury.
Your juice bar must purchase workers' compensation as soon as it has one or more employees. If family members and relatives are employed, workers' compensation insurance must also cover them depending on which state your juice bar is located.
Workers' compensation insurance also covers disease sustained by an employee, provided that it’s proven to be work-related.
You can’t use workers' compensation insurance to cover an intern or volunteer. Contractors can be covered provided that they sign a contract that states that they’re a part of your business for the duration of their service.
Your juice bar will face stiff fines and penalties if it doesn’t have workers' compensation insurance. Fines and penalties will depend on which state your juice bar is located. Here are some examples:
If your juice bar is in Arizona, its failure to get workers' compensation insurance is a class 6 felony punishable by a one-year imprisonment. No stop hold order will be issued
If your juice bar is in Utah and it failed to get workers' compensation insurance, authorities will impose a $1,000 fine, issue a legal injunction against your business, and remove the exclusive remedy granted to you as an employer
If your juice bar is in Washington, failure to get workers' compensation insurance is punishable by a $500 fine or an amount twice you would’ve paid for premiums. Note that some exemptions apply
Your juice bar will face a $10,000 fine if it operates without workers' compensation insurance in Maryland
Workers' compensation insurance provides coverage for three or seven years depending on which state your juice bar is located.
The blenders, slicers, ovens, and other equipment of your juice bar will sustain defects or become broken. You can cover the repair or replacement yourself. But why do so if you can get equipment breakdown insurance, which is the most cost-effective option?
Equipment breakdown insurance provides a $2,500-$5,000 coverage for repair or replacement expenses if your juice bar’s equipment is damaged by:
Note that the coverage limit we stated is just a minimum. You can find insurance companies that underwrite equipment breakdown insurance with a heftier coverage.
Commercial auto insurance is useful if your juice bar owns a vehicle that’s used to make deliveries and haul supplies.
Your juice bar is liable for the injuries and property damage its commercial vehicle inflicts to third parties, drivers, and passengers. In case the commercial vehicle sustained damage, your business also needs to cover costs.
Commercial auto insurance takes care of such instances. For juice bars, the policy offers the following:
Auto liability coverage-Commercial auto insurance has auto liability coverage that covers medical treatments, funeral expenses, and reimbursements if your juice bar’s commercial vehicle caused an accident resulting in the injury, death, or property damage of third parties
Physical damage coverage-The physical damage coverage of commercial auto insurance allows your juice bar to cover vehicle maintenance without incurring losses. You get it as a collision or comprehensive policy. Collision physical damage coverage covers maintenance costs if your juice bar’s commercial vehicle sustained damage in a collision. On the other hand, comprehensive physical damage coverage covers maintenance costs if fire, theft, vandalism, weather, and other covered perils caused the damage
Rental reimbursement coverage-Rental reimbursement coverage will refund lease or rental expenditures if you need to hire a vehicle for the meantime because the one owned by your juice bar is being repaired
Uninsured/underinsured motorist coverage-Uninsured/underinsured motorist coverage will cover medical treatments and reimbursements for property damage if your juice bar’s vehicle got involved in an accident caused by a driver with no insurance or doesn’t have enough insurance
Medical payments coverage-Medical payments coverage will cover the medical treatment or funeral expenses if your commercial vehicle initiated a crash or got involved in one that resulted in injuries to the driver and passengers
Personal injury protection-The function of personal injury protection coverage is the same as medical payments coverage. But aside from funeral and medical expenses, it also covers lost wages, rehabilitation, and medication
Commercial auto insurance only covers one vehicle owned by your juice bar. Therefore, if there are many, they have to be covered by individual commercial auto policies. This isn’t cost-effective. The best approach is to get a commercial fleet insurance policy.
A business owner’s policy is an all-in-one insurance product. In other words, it is a combination of different insurance policies such as general liability, workers' compensation, commercial auto, and more.
Consider getting a business owner’s policy if you’re looking for a quick coverage that provides comprehensive protection. Also, managing it is very easy because all policies are under one roof.
The auto liability coverage of commercial auto insurance doesn’t cover vehicular accidents that are criminal in nature. For example, your juice bar’s vehicle crashed into another vehicle because it was running away from police officers.
Physical damage coverage doesn’t cover the maintenance of aftermarket parts. It can’t also help if your juice bar’s vehicle got damaged because of a rollover.
General liability, commercial auto, public liability, workers' compensation, and commercial property insurance are the most essential policies to keep your juice bar away from risks. Nonetheless, there are other policies you might find useful such as:
Customers can display allergic reactions or sustain a foodborne illness due to the drinks and food served in your juice bar. Product liability insurance will cover settlements and legal defense costs if a claim is filed. The per occurrence limit of product liability insurance starts at $1 million with a $2 million aggregate.
Employer’s liability insurance will cover settlements, attorney fees, administrative costs, and other associated expenses if your juice bar’s employee decides to sue after sustaining a work-related injury or disease. This will have a $100,000 minimum per occurrence limit with a $500,000 aggregate.
Is your juice bar into e-commerce? If this is the case, consider getting cyber liability insurance.
Your juice bar’s app or website gathers and stores the sensitive data of users. Cyber liability insurance covers the resulting expenses if such sensitive data is exposed due to:
So what costs does the insurance cover? If the sensitive data of users is exposed, you can use cyber liability insurance to pay for:
Professional services needed to contain the data leak
Public relations needed to inform affected parties about what happened
Lost income if your juice bar needs to close to remedy the problem
Legal defense costs
You can get $1 million-$5 million coverage from cyber liability insurance. But note that there are insurance companies whose cyber liability insurance provides up to $10 million.
Getting insurance for juice bars is easy when you know your expected costs. The average juice bar insurance cost is around $53 per month or $636 per year for a $1 million general liability coverage.
Cost varies and there are many different factors that determine it. For example, the size of a juice bar will dramatically affect the amount of money that you can expect to spend each month on your coverage. A larger juice bar will obviously have more chances of getting sued by a third party or even one of their employees, so this makes insurance cost more.
You’ll also want to consider if there’s anything special about your juice bar that may end up pushing prices a little bit higher. For example, if you run a mobile juice bar, you won’t only have to pay for liability coverage, but you’ll also need to get your hands on a commercial auto insurance policy.
You should also account for the kind of policy of a certain type that you’re getting. For example, a general liability policy will cost more than a public liability policy. The insurer will also look at the history of your juice bar. If you’ve had any accidents in the past, your insurance rates will rise at the same time.
In addition, here are the rates of the best companies for juice bar insurance:
|NEXT||$25||$300||Fastest general liability coverage|
|Coverwallet||$30||$360||Juice bar insurance online quote comparison|
|Tivly||$32.50||$390||Comparing juice bar insurance quotes over the phone|
|Hiscox||$47.48||$569.76||General liability insurance for juice bars with worldwide coverage|
|State Farm||$49||$588||Customized coverage|
|Progressive||$52||$624||Juice bar businesses that need multiple forms of coverage|
If you'd rather just compare competitive quotes online from top companies and see how much carriers quote your juice bar, just click the 'Get Quotes' button and complete the questionnaire that follows.
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There are countless insurance carriers that you can opt for, and picking out the right one will make a difference between when it comes to what you pay and the kind of service that you get. Read the reviews below to know the top carrier's pros, cons, and pricing for a $1 million general liability coverage.
Compare quotes online
Online policy management with the MyCoverWallet app
Online certificate of insurance
General liability insurance automatically has non-owned/hired auto liability coverage
Not an insurance company but an insurance broker
CoverWallet primarily sells general liability, commercial property, and workers compensation policies through its specialized coverage for juice bars. You can avail other types of insurance as add-ons.
This company’s general liability insurance has a $1 million per occurrence limit with a $2 million aggregate. You can also name additional insureds on your policy. Your general liability insurance will also have non-owned/hired auto coverage included.
Once you purchase insurance from CoverWallet, the company will grant you access to the MyCoverWallet app where you can view policy status, name additional insureds, and request a certificate of insurance.
Note that CoverWallet has an online quotes comparison platform you can use to find other companies selling tailored coverage for juice bars.
Best for: Juice bar insurance online quote comparison
Average cost: $30 per month
Our rating: 10/10
Compare quotes over the phone
Doesn’t sell a pre-made insurance plan but allows you to create a tailored coverage for your business
Responsive customer service
You need to call to get a quote and purchase a policy
Tivly (formerly CommercialInsurance.NET) sells a juice bar insurance with a general liability policy having a $1 million-3 million per occurrence limit. Other business insurance available are commercial property, product liability, workers compensation, commercial property insurance, and more.
This company doesn’t sell insurance online. You must request a quote by calling. If ever it’s not a good fit for your juice bar, Tivly can take you to partners offering the same great deals.
Call Tivly now to compare quotes over the phone and get insured.
Best for: Comparing juice bar insurance quotes over the phone
Average cost: $32.50 per month
Our rating: 10/10
Quick to respond to claims
You can get a quote quickly and effectively
No deductible on general liability insurance
General liability insurance only has a $300,000 per occurrence limit
Hiscox is a British insurer that originally started off by offering marine insurance in the 1900s. However, since then, they have moved away from the industry that they started in, and they now focus on specialized forms of insurance that are typically not offered by other carriers.
This company’s juice bar insurance is a business owner’s policy that offers commercial property and general liability policies.
Your general liability insurance from Hiscox will have a $300,000 per occurrence limit with a $300,000-$2 million aggregate. Commercial property insurance, on the other hand, will have a $10,000-$100,000 coverage with a $1,000 deductible.
Best for: General liability insurance for juice bars with worldwide coverage
Average cost: $47.48 per month
Our rating: 10/10
Range of coverage options available
Adaptable to large and small businesses
Not available in Hawaii
Progressive has been in business since 1937 and they are one of the largest auto insurance companies in the United States. Throughout their history, the company has remained true to their name by ensuring that they are always on the cutting edge of insurance tech, including being one of the first to do business on the internet.
Progressive covers juice bars under its small business insurance policy, which combines general liability coverage and premises coverage under a business owners policy (BOP). They also offer other forms of coverage for juice bars, including commercial auto coverage, cyber insurance, and more.
Best for: Juice bar businesses that need multiple forms of coverage
Average cost: $52 per month
Our rating: 10/10
Available in most states
Takes some time to get a quote
State Farm has been in business since 1922, and since then, the company has become the biggest casualty and property insurance company in the United States. In addition, the company is known for providing auto insurance and business insurance.
State Farm offers insurance to juice bars through its small business and restaurant business insurance policies. Which policy you choose will largely depend on the size of your juice bar and whether or not you serve sides with your juice.
Best for: Customized juice bar insurance coverage
Average cost: $49 per month
Our rating: 10/10
Fast general liability insurance
Online proof of insurance you can send through different media
Excellent customer service
Great value for money
Bundle two or more policies and get a 10% discount
Doesn’t underwrite a juice bar insurance plan
NEXT doesn’t underwrite juice bar insurance. However, it provides specialized coverage for all types of bars that’s underwritten by Tivly. Options are general liability, product liability, workers' compensation, and commercial property insurance.
Best for: Fastest general liability coverage
Average cost: $25 per month
Our rating: 9/10
General liability has customer property and business equipment coverage
Fast online insurance quotes
You can’t get commercial property insurance as a stand-alone policy
You can’t reach customer service by phone
Thimble’s juice bar insurance is only available to juice bar kiosks. You can avail a general liability policy from this company with a $1 million-$2 million per occurrence limit. Thimble allows you to additionally get workers' compensation insurance. Commercial property insurance is available too but only through a BOP.
This company’s general liability insurance for juice bar kiosks has customer property protection coverage with a $5,000 limit. Coverage for portable and non-portable business equipment is also included, which has a $2,500-$5,000 limit.
Best for: On-demand policies
Average cost: $39.75 per month
Our rating: 8/10
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Policy Type: Business Insurance
Company name: CoverWallet Business Insurance
Very good experience
Terrific experience with their construction business insurance! 10/10! Thank you!