Workers' Comp Insurance
for Coffee Shops and Cafes
Instant Coverage
Name Your Own Premium
No Fees
HUGH GETS YOU
You know all about the daily grind.
A good café becomes the heartbeat of a neighborhood. Here, a stressed-out parent can grab five minutes of peace, students camp out for hours over one latte, and regulars become like family. There's something magical about that perfect storm of caffeine, conversation, and community.
But the daily grind is real. Burns cause up to 57% of workplace injuries, and when you’re focused on the art of the perfect pour, you need to know your employees are covered if something goes sideways. That’s where Hugh comes in.
why you need it
Workers’ comp that’ll warm you right up.
Hugh cuts through the insurance BS. No corporate speak, no confusing jargon, no making you feel like you need a law degree to understand your own coverage.
Most platforms treat you like a number in a system. Hugh treats you like a person.
Plus, he moves fast. No endless back-and-forth, no waiting weeks for quotes. We get this sorted so you can get back to what actually matters—running your café.
how it works
Getting coverage for your cafe is easy.
No endless paperwork, no waiting weeks for answers, no getting passed around to five different people. Just straight talk and real results.
Hugh will ask you a few quick questions about your restaurant. Nothing crazy, just the basics about your business and team.
He’ll crunch the numbers and get you a real quote. Not some ballpark nonsense, but actual pricing you can work with.
If you have questions, Hugh answers them. When you’re ready to move forward, he’ll get your policy set up. Done.
Hugh will ask you a few quick questions about your restaurant. Nothing crazy, just the basics about your business and team.
He’ll crunch the numbers and get you a real quote. Not some ballpark nonsense, but actual pricing you can work with.
If you have questions, Hugh answers them. When you’re ready to move forward, he’ll get your policy set up. Done.
Protection you can count on.
Hugh partners with leading national insurance carriers like AmTrust that have a reputation for helping small businesses. They provide the protection behind your policy, from temporary disability to job retraining, so your business is covered if anyone gets hurt on the job.
Medical Coverage
Covers medical treatment, rehabilitation, and lost wages for employees injured on the job, ensuring proper care and support.
Temporary Disability
Wage replacement for employees temporarily unable to work due to work-related injuries, keeping them financially secure.
Permanent Disability
Compensates permanent impairments, helping them manage ongoing costs if they cannot return to their previous job.
Job Retraining
Funds retraining or skill development for employees unable to return to their previous position, helping them transition to new work
COFFEE SHOP & CAFÉ CLAIMS MADE EASY
Workers’ comp claims shouldn’t burn your business.
Traditional insurance? Big companies, big systems, small attention. When something goes wrong, call them, and you’re talking to whoever answered that day. They don’t know your café from the dry cleaner down the street. Scripts, cookie-cutter packages, and zero understanding of the difference between a portafilter burn and a grease fire.
Hugh works differently. We actually get what running a café is like. Coverage is built around your real world, not a corporate template. You get straight answers, faster resolutions, and a claims process that keeps your team serving coffee, not drowning in paperwork.
Coverage for every size, in every state.
Whether you have 2 employees or 2000, Hugh has your business covered.
Small Businesses
Hugh provides you with workers’ comp that meets your state’s requirements, fits your budget, and protects the business you’ve worked so hard to build.
Growing Teams
As you add staff or open new locations, Hugh carefully matches workers’ comp policies to each additional team and location, so you can expand with confidence.
Nationwide Operations
For large businesses, Hugh simplifies the complex, aligning coverage throughout your operation so every box is checked and every employee is protected.
Many café owners love Hugh—so will you.
