Cat Cafe & Animal Cafe Insurance Coverage Checklist
The coverages a cat cafe & animal cafe business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for cat cafes and other animal cafes. Priorities reflect typical exposure for this class; confirm against your actual animals and food service.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability (Animal Coverage) | Covers guest bites, scratches, and burns — confirm animal injuries are not excluded. | Core | |
| Business Property / BOP | Covers furniture, kitchen equipment, and build-out. | Core | |
| Workers' Compensation | Covers staff bites, scratches, and lifting injuries. | Core | |
| Business Income | Covers lost revenue during a health closure or quarantine, where covered. | Prevalent | |
| Animal Mortality / Care, Custody & Control | Covers resident or rescue animals injured or lost in your care. | Prevalent | |
| Products Liability | Covers food and drinks served and merchandise sold. | Prevalent | |
| Liquor Liability | Covers alcohol at events, where served. | Situational | |
| Cyber Liability | Covers online reservations and guest data. | Situational | |
| Abuse & Molestation Liability | Covers allegations at children's parties and volunteer programs. | Situational |
The coverage gap most often missed
The gap most often missed by animal cafes is an animal exclusion. Many general liability policies written for restaurants and coffee shops exclude injuries caused by animals, which is the main risk in a cat cafe. Waivers do not always stop bite or infection claims. Confirm your policy covers animal-related injuries, and that business income responds if health officials close you after a bite.
Send us the checklist and we'll review your cat cafe & animal cafe coverage line by line, then market it across multiple carriers that compete for your account.
Related: Cat Café & Animal Café Insurance · Cat Cafe & Animal Cafe Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a cat cafe & animal cafe business need?
The core coverages for a cat cafe & animal cafe business are General Liability (Animal Coverage), Business Property / BOP, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my cat cafe & animal cafe coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.