You make one call. We make the rest.
Protect your internet cafe from equipment damage, customer injuries, cyber liability, and property claims. Get coverage for internet cafes, gaming cafes, and computer rental businesses.
Tell us about your business.
What is Internet Cafe insurance?
Internet cafe insurance protects computer-based businesses from equipment damage, customer injuries, cyber incidents, and property losses. Coverage commonly includes general liability, equipment protection, cyber liability, and crime coverage. Landlords and lenders typically require proof of insurance before leasing or financing.
Equipment Protection
Covers computers, gaming systems, monitors, peripherals, printers, and networking equipment.
Customer Safety Liability
Protects against slip-and-fall injuries or accidents occurring in your cafe.
Cyber Liability
Covers data breaches, hacking incidents, and network security failures.
Crime Coverage
Protects against theft, vandalism, or employee dishonesty.
Certificates
Fast proof of insurance for landlords, lenders, and business partners.
Who needs Internet Cafe insurance?
- Internet cafes : Businesses requiring specialized insurance coverage
- Gaming cafes : Businesses requiring specialized insurance coverage
- Computer rental businesses : Businesses requiring specialized insurance coverage
- Cyber cafes : Businesses requiring specialized insurance coverage
One application. Every market. The right program.
Technology-Focused Risk Expertise
Harper understands tech-heavy business risks: from equipment theft to cyber exposure.
Fast Proof for Leases and Financing
Landlords and lenders often require insurance before move-in or funding. We deliver certificates quickly.
Straightforward Coverage Explanations
We explain cyber, equipment, and liability coverage in clear, non-technical language.
Policies Built for Your Cafe Model
Coverage is tailored to your offerings of internet access, gaming, printing, or computer rentals.
Frequently asked questions
What insurance do internet cafes need?
Most internet cafes need general liability for customer injuries, property or equipment coverage for computers, cyber liability for network security, and crime coverage. Workers’ compensation is required if you have employees.
Is internet cafe insurance required?
Yes. Landlords typically require liability coverage, and lenders require insurance on financed equipment.
How much does internet cafe insurance cost?
Small internet cafes generally pay $1,500–$4,000 annually, depending on equipment value, services offered, and location.
Does insurance cover equipment theft?
Property and crime coverage protects computers, gaming equipment, and peripherals from theft when reasonable security measures are in place.
Does insurance cover cyber attacks?
Cyber liability covers customer data exposure, ransomware incidents, and business interruption caused by cyber events.
Can landlords be added as additional insureds?
Yes. Lease agreements often require adding landlords as additional insureds, and Harper handles certificates and endorsements.