Cowens Launches Specialist Bubble Tea and Dessert Shop Insurance

At Cowens, we know that no two businesses are the same, especially in a fast-growing sector like bubble tea and dessert retail. That’s why we’ve worked closely with Zurich Insurance to develop a specialist insurance policy tailored specifically for bubble tea shops, dessert parlours, and kiosk-based retailers.

Whether you’re running a busy shop or a kiosk inside a shopping centre, your business deserves cover that understands the way you operate, not a generic policy that misses the mark.

Built Around the Realities of Bubble Tea Retail
Bubble tea shops and dessert retailers face a mix of challenges that typical shop insurance doesn’t always account for. From temperature-sensitive stock and imported machinery, to the fact that many businesses are based in units without independent alarms or access, these are the details that matter when things go wrong.
Our new policy is designed to reflect these realities, offering protection that fits the way you trade.

Why This Cover Stands Out

Enhanced Business Interruption Protection
Unlike most off-the-shelf retail policies, this product includes increased limits for Loss of Attraction and Prevention of Access, both up to £50,000 over a 3-month indemnity period. That means if your business is affected by an incident nearby- like a fire, road closure or flooding in the shopping centre, you’ll have stronger support in place to recover.

Protection for Kiosks and Shared Premises
If you’re based inside a shopping centre, chances are your unit isn’t self-contained and you don’t have direct control over things like alarms or external security. Most standard policies would flag this as a problem. Ours won’t. This cover is built with that setup in mind- giving you the reassurance that you’re protected, not penalised.

Comprehensive Core and Optional Cover
The core policy includes protection for material damage, stock deterioration, public and employer’s liability, and goods in transit. You can also choose from optional add-ons like employee dishonesty, personal accident, terrorism, and legal expenses, so you can tailor the policy to suit your business.

Insurance That Works the Way You Do
“Bubble tea businesses are vibrant, entrepreneurial, and often operate in high-traffic retail environments, but they can also face very specific risks,” said Karl Sutcliffe, Commercial Broking Director at Cowens. “This policy goes further than standard cover, it’s designed around how bubble tea and dessert retailers actually trade.”
“This is about giving business owners confidence that their cover fits how and where they trade,” added Matthew Litchfield, Commercial Broker & Risk Surveyor. “We’ve listened to what bubble tea retailers need and built a solution that genuinely supports their day-to-day operations and long-term resilience.”

Let’s Talk
If you’re a bubble tea or dessert shop owner and want to make sure your business has the right cover in place, speak to our team today.
Call us on 01623 649931 Or email info@cowensgroup.co.uk