Running a coffee shop means you take on a fair degree of risk. This is why having and understanding of insurance that is appropriate for your shop is critical. On top of that you need to make sure the insurance you do have is optimized and that you are providing an environment that puts safety first.  Unfortunately, while all small businesses carry the required insurance, it is often not optimized for their needs and the shop itself is run in a way that invites accidents rather than mitigates risk.  This is your livelihood and you own it to yourself, your staff, and customers to throughly explore these subjects. Today we are priviliged to get to talk all about these things with Brennon Pothetes of Butter insurance. Brennan Pothetes is the Co-Founder and CEO of Butter Insurance, which offers a more accessible and efficient insurance experience for coffee shops coupled with a safety program, making them more sustainable. He is a veteran entrepreneur with a background in insurance, banking and software development for companies like Bloom Credit, Rhino and Simple. At Rhino, he helped build a product that saved renters $500 million dollars since the onset of the pandemic by replacing cash security deposits with affordable insurance. This is a very helpful and informative conversation and I hope you apply these insights ASAP! We cover: Understanding insurance and the right coverage Why the big guys have teams How we make mistakes with insurance What you are made to get vs what you need Risk mitigation and safety The small print and getting blindsided Exclusions and Optimizing insurance Negotiating with landlords The importance of talking with your insurance person Safety education and checklists Links and resources: www.butterhq.com Risk + Safety Winter Checklist   Related episodes: 101 : Avoiding Legal Pitfalls in Retail w/ Specialty Coffee Attorney, Marshall Fuss 175 : How to Keep your Cool : A Fridge, Cooler, and Ice Machine Masterclass w/ Luke Peterson of The Maintenance Department! 197 : Getting the most from your Equipment w/ Melissa Vaiden of Counter Culture Coffee 128 : Terry’s Top 10 w/ Terry Ziniewicz : Best practices for how not to kill your espresso machine 239 : 5 Best Practices for the Best Small Business w/ Henry Lopez 334 : How to Approach Deescalation w/ Melissa Tucker of Mind Over Matters and Pathways to Peace   Interested in leveling up your coffee shop or setting up 1:1 coaching? Click here to schedule a free consulting discovery call with KTTS Click here to book a formal one-on-one consulting call! Visit our amazing Sponsors! www.groundcontrol.coffee www.pacficfoodservice.com www.coffeefest.com