Hi Rachel,
If you are in the U.S. your liability insurance can be for FAR less than $10 or $20 million. (Must have some very overactive injury lawyers down under :-).
I travel a lot and independent computer cafes have a hard time these days.
Competitors like Panera Bread and the Atlanta Bread Company are everywhere and offer free wifi, unlimited coffee refills and large breakfast and lunch menus.
Be sure to do a Business Plan before investing your money and hard work.
Best of luck,
Brooks
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