[{"data":1,"prerenderedAt":220},["ShallowReactive",2],{"guides-en-GB-insurance-for-coffee-roasters":3},{"kind":4,"guide":5,"categorySlugs":212},"guide",{"key":6,"slug":6,"slugs":7,"category":14,"order":15,"schema":16,"title":17,"seoTitle":18,"description":19,"excerpt":20,"keywords":21,"published":29,"updated":29,"readingMinutes":30,"cover":31,"related":34,"body":57,"faq":127,"products":137,"sources":146,"paths":155,"slugMap":156,"categorySlug":211},"insurance-for-coffee-roasters",{"de-DE":8,"fr-FR":9,"es-ES":10,"es-419":10,"pt-BR":11,"pt-PT":11,"it-IT":12,"nl-NL":13},"versicherung-fuer-kaffeeroestereien","assurance-pour-torrefacteurs","seguros-para-tostadores-de-cafe","seguro-para-torrefacoes-de-cafe","assicurazione-per-torrefazioni","verzekering-voor-koffiebranderijen","starting",7,"Article","Insurance for a coffee roastery: what you need and why","Insurance for Coffee Roasters: A UK Guide","The insurance a UK coffee roastery needs: employers liability (compulsory), product and public liability, property, stock, breakdown and interruption.","One policy is compulsory as soon as you employ anyone; the rest are what your landlord, lender and wholesale customers will ask for. What each covers, and the roastery-specific questions insurers ask.",{"primary":22,"secondary":23,"intent":28},"insurance for coffee roasters",[24,25,26,27],"coffee roastery insurance uk","product liability insurance coffee","food manufacturer insurance","roaster fire insurance","commercial investigation","2026-10-09",6,{"figure":32,"kicker":33},"£5m","Insurance",[35,43,50],{"key":36,"slug":36,"category":37,"title":38,"excerpt":39,"readingMinutes":30,"updated":29,"cover":40},"coffee-roaster-maintenance-schedule","equipment","A maintenance schedule for your coffee roaster","Maintenance keeps roasts consistent, prevents fires and is what your insurer asks about after one. A daily, weekly, monthly and annual schedule you can adapt to your machine.",{"figure":41,"kicker":42},"Daily","Maintenance",{"key":44,"slug":44,"category":14,"title":45,"excerpt":46,"readingMinutes":30,"updated":29,"cover":47},"business-structure-for-a-roastery","Sole trader, partnership or limited company for a roastery?","The structure decides who is liable when something goes wrong, how profits are taxed and how easy it is to bring in a partner or sell. A plain comparison for roastery founders.",{"figure":48,"kicker":49},"Ltd?","Structure",{"key":51,"slug":51,"category":37,"title":52,"excerpt":53,"readingMinutes":15,"updated":29,"cover":54},"roastery-extraction-and-ventilation","Extraction and ventilation in a roastery: fumes, dust and fire","The roaster's exhaust carries smoke and chaff out; the room still needs air for the burner and protection for staff from roasting fumes and dust. The rules and the practical design points.",{"figure":55,"kicker":56},"0.02 ppm","Air and safety",[58,60,62,64,66,106,108,119,121,123,125],{"p":59},"Roasteries combine heat, fuel, combustible dust and chaff, and a product other people eat. Insurers know this. A complete, accurate proposal gets you cover that pays out; a vague one gets you a policy with exclusions you discover after a fire.",{"h2":61},"Compulsory: employers' liability",{"p":63},"Under the Employers' Liability (Compulsory Insurance) Act 1969, most employers in Great Britain must hold employers' liability insurance from an authorised insurer, with cover of at least £5 million. It covers claims from employees injured or made ill at work. The Health and Safety Executive can fine a business for every day it is not insured. Sole traders with no employees, and some family businesses, are exempt; check the HSE guidance for your situation.",{"h2":65},"The covers a roastery usually needs",{"table":67},{"head":68,"rows":72},[69,70,71],"Cover","What it does","Who asks for it",[73,77,81,85,89,93,97,100,103],[74,75,76],"Product liability","Claims that your coffee caused injury or illness, for example a stone that breaks a tooth","Wholesale customers, retailers, marketplaces",[78,79,80],"Public liability","Injury to visitors or damage to third-party property, including at markets and events","Landlords, event organisers, councils",[82,83,84],"Buildings or tenant's improvements","Damage to the unit, or to the fit-out you paid for","Landlord (check who insures what in the lease)",[86,87,88],"Contents and equipment","The roaster, afterburner, grinders, packing kit","Lenders and lessors",[90,91,92],"Stock","Green coffee, roasted stock and packaging, including seasonal peaks","You",[94,95,96],"Machinery breakdown","Sudden mechanical or electrical failure of the roaster and afterburner","You; lessors sometimes",[98,99,92],"Business interruption","Lost gross profit and extra costs after an insured event such as a fire",[101,102,92],"Goods in transit","Coffee lost or damaged in your own van or with a courier, above the carrier's limit",[104,105,92],"Cyber","Costs after a data breach of your online shop or customer records",{"h2":107},"Questions insurers ask roasteries",{"checklist":109,"title":118},[110,111,112,113,114,115,116,117],"Roaster make, model, batch size and fuel; whether it has an afterburner","How often chaff collectors, cyclones and ducts are cleaned, and is it recorded","Whether the roaster is ever left unattended while hot","Fire extinguishers by type, and whether staff are trained","The flue route and what it passes through","Gas installation and servicing certificates","Annual turnover, the share sold wholesale and online, and any exports","Peak stock value of green coffee","Have the answers ready",{"h2":120},"Business interruption: get the period right",{"p":122},"After a serious fire, replacing a roaster, rebuilding ducting and getting an afterburner reinstalled can take many months. Choose an indemnity period long enough to cover that, and agree how you would keep wholesale customers supplied meanwhile, for example through a [contract roaster](guide:contract-roasting). Insurers look favourably on a written continuity plan.",{"h2":124},"Keep the evidence",{"p":126},"Many fire claims turn on maintenance. Keep a dated log of chaff cleaning, duct cleaning and servicing. See the [maintenance schedule guide](guide:coffee-roaster-maintenance-schedule). Batch logs also show you were present and the roast was within normal limits.",[128,131,134],{"q":129,"a":130},"Is insurance a legal requirement for a coffee roastery?","Employers' liability insurance is compulsory for most businesses with employees. Other covers are not legally required but are usually demanded by landlords, lenders and customers.",{"q":132,"a":133},"Does product liability cover a stone in a bag of coffee?","Product liability is designed for injury or damage caused by your product. Check the wording, the limit and any conditions such as using a destoner.",{"q":135,"a":136},"Will my home insurance cover roasting at home?","Usually not for a business activity. Tell your insurer and arrange business cover.",[138,142],{"target":139,"label":140,"note":141},"page:factory","Batch logs with operator and time","A record that every roast was attended and within limits.",{"target":143,"label":144,"note":145},"page:leasing","Equipment and lease records","Asset values and lease terms in one place for your broker.",[147,151],{"name":148,"title":149,"url":150},"Health and Safety Executive","Employers' liability insurance","https:\u002F\u002Fwww.hse.gov.uk\u002Fsimple-health-safety\u002Finsurance.htm",{"name":152,"title":153,"url":154},"legislation.gov.uk","Employers' Liability (Compulsory Insurance) Act 1969","https:\u002F\u002Fwww.legislation.gov.uk\u002Fukpga\u002F1969\u002F57",{"en-US":6,"en-GB":6,"de-DE":8,"es-ES":10,"es-419":10,"fr-FR":9,"it-IT":12,"ja-JP":6,"pt-BR":11,"nl-NL":13,"el-GR":6,"fi-FI":6,"et-EE":6,"lv-LV":6,"lt-LT":6,"sk-SK":6,"sl-SI":6,"pt-PT":11},{"how-to-start-a-coffee-roasting-business":157,"coffee-roastery-business-plan":158,"coffee-roastery-startup-costs":159,"roastery-premises-and-planning-permission":160,"register-a-food-business-as-a-coffee-roaster":161,"haccp-plan-for-coffee-roasters":162,"insurance-for-coffee-roasters":6,"business-structure-for-a-roastery":44,"how-to-price-wholesale-coffee":163,"retail-coffee-pricing":164,"gross-margin-per-kg":165,"roastery-cash-flow":166,"staffing-a-roastery":167,"roastery-production-planning":168,"batch-scheduling-for-roasters":169,"roast-loss-and-shrinkage":170,"roastery-stock-control":171,"choosing-a-coffee-roaster":172,"gas-vs-electric-coffee-roasters":173,"new-vs-used-coffee-roaster":174,"buying-a-used-coffee-roaster-checklist":175,"importing-a-coffee-roaster":176,"afterburners-and-roaster-emissions":177,"roastery-extraction-and-ventilation":51,"commercial-coffee-grinders-for-roasteries":178,"coffee-packing-lines-and-heat-sealers":179,"coffee-roaster-maintenance-schedule":36,"leasing-vs-buying-roastery-equipment":180,"how-to-buy-green-coffee":181,"green-coffee-importers-vs-direct-trade":182,"importing-green-coffee-into-the-uk":183,"green-coffee-contracts-and-incoterms":184,"green-coffee-samples-and-sample-roasting":185,"grading-and-cupping-green-coffee":186,"green-coffee-moisture-and-density":187,"storing-green-coffee":188,"green-coffee-landed-cost":189,"selling-wholesale-coffee-to-cafes":190,"cafe-wholesale-account-terms":191,"coffee-subscription-business":192,"selling-coffee-online":193,"selling-coffee-at-markets-and-events":194,"private-label-coffee":195,"b2b-coffee-pricing-tiers":196,"coffee-labelling-uk":197,"allergens-for-coffee-roasters":198,"vat-on-coffee":199,"coffee-traceability":200,"food-safety-records-for-roasters":201,"roast-profiling-for-consistency":202,"coffee-roastery-qc-programme":203,"production-cupping-protocol":204,"development-time-and-roast-logging":205,"coffee-roasting-software-buyers-guide":206,"when-to-buy-a-second-roaster":207,"contract-roasting":208,"hiring-a-head-roaster":209,"multi-site-roastery":210},"how-to-start-a-coffee-roasting-business","coffee-roastery-business-plan","coffee-roastery-startup-costs","roastery-premises-and-planning-permission","register-a-food-business-as-a-coffee-roaster","haccp-plan-for-coffee-roasters","how-to-price-wholesale-coffee","retail-coffee-pricing","gross-margin-per-kg","roastery-cash-flow","staffing-a-roastery","roastery-production-planning","batch-scheduling-for-roasters","roast-loss-and-shrinkage","roastery-stock-control","choosing-a-coffee-roaster","gas-vs-electric-coffee-roasters","new-vs-used-coffee-roaster","buying-a-used-coffee-roaster-checklist","importing-a-coffee-roaster","afterburners-and-roaster-emissions","commercial-coffee-grinders-for-roasteries","coffee-packing-lines-and-heat-sealers","leasing-vs-buying-roastery-equipment","how-to-buy-green-coffee","green-coffee-importers-vs-direct-trade","importing-green-coffee-into-the-uk","green-coffee-contracts-and-incoterms","green-coffee-samples-and-sample-roasting","grading-and-cupping-green-coffee","green-coffee-moisture-and-density","storing-green-coffee","green-coffee-landed-cost","selling-wholesale-coffee-to-cafes","cafe-wholesale-account-terms","coffee-subscription-business","selling-coffee-online","selling-coffee-at-markets-and-events","private-label-coffee","b2b-coffee-pricing-tiers","coffee-labelling-uk","allergens-for-coffee-roasters","vat-on-coffee","coffee-traceability","food-safety-records-for-roasters","roast-profiling-for-consistency","coffee-roastery-qc-programme","production-cupping-protocol","development-time-and-roast-logging","coffee-roasting-software-buyers-guide","when-to-buy-a-second-roaster","contract-roasting","hiring-a-head-roaster","multi-site-roastery","starting-a-roastery",{"starting":211,"running":213,"equipment":214,"green-coffee":215,"selling":216,"compliance":217,"quality":218,"scaling":219},"running-a-roastery","roasting-equipment","green-coffee-buying","selling-coffee","compliance","roasting-quality","scaling-a-roastery",1791626954140]