Our work with the specialty coffee industry has taken us virtually around the world. As the result, we know that coffee folks are artists and entrepreneurs. Some are seasoned in business while others possess roasting, buying, retail or other valuable skills. In each case, what we bring to the table is peace of mind. We have the know-how to help both the seasoned business owner and the start-up.

How is a small business owner expected to ferret their way through the maze of today's insurance jargon and red tape? Coffee and contracts was formed to conveniently solve that need.

Starting or running a business today is no small challenge. Businesses are seeking every possible means of reducing overhead and improving efficiencies and profit. Low-cost insurance is one method of impacting overhead, but low-cost insurance typically translates into a living nightmare at the time your first claim happens.

Our strength lies in being able to blend broad insurance contracts with competitive pricing. We do this by using our experience in the world of insurance, our experience in business management and our experience in the specialty coffee industry.

Our specialty coffee clients tell us that the cost-free risk management services and the cost-free employee education services that we provide them are the most valuable aspect of their relationship with us.

As a byproduct, our clients receive highly competitive pricing on the insurance products that we arrange for them.

Our insurance programs for general liability and products liability are available across the country and around the globe. Our workers' compensation coverage is available in all but four states, and even in those states we can still assist you with getting started. We can also provide commercial auto coverage and bonding where necessary. For those operations that need it, such as importers or exporters, we can arrange cargo coverage and inland transit coverage.

TYPICAL COVERAGE NEEDED FOR SPECIALTY COFFEE BUSINESSES:

• Machinery coverage.
• Safety training services.
• Products liability coverage.
• Transportation coverage.
• Commercial automobile coverage.
• Workers' compensation coverage.
• Employment practices liability coverage.
• Cyber liability and cyber security coverage.
• Leasehold improvements coverage.
• Landlord as additional insured.
• Lender or investor listed as a loss payee as needed by contract.

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