Food Business Insurance

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Insurance for Restaurants & Cafes

... - with your eftpos machine hacked. How much does Restaurant and Cafe Insurance cost? No matter if you are a takeaway food business or a fine dining restaurant, no two food businesses are the same. That's why there isn't ...

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Insurance for Bakers

... your baking business from. When you are selling your baked goods to the public the risk of food poisoning ... baking tools were to be stolen. This is where business insurance comes into play and provides the peace of mind ...

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Dishing up the facts on food business insurance

... overwhelming choice of policies and policy options to choose from. Why do I need insurance for my food business? Whether you are serving up fancy dishes in a restaurant, coffees in a café or tacos in a take-away shop or ...

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Business Insurance

... Alternative Therapies Migration Agents Mobile Food Vans Nurses Painters Personal ... a restaurant owner faces will be different to a dog groomer. A common question SME operators ask is , “How much does Business Insurance ...

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How to start a food truck business in Australia

... will help your food business stand out in a sea of food trucks at food festivals. How to finance your food truck business? There are less barriers to starting a food truck business than a traditional restaurant , but it ...

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How to start a fish and chips shop

... of other food businesses that claim ... business insurance* for restaurants and cafes . When you invest in business insurance products such as Public Liability insurance , Business Insurance , Management Liability insurance ...

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Insurance for hospitality business

... you're serving up chai lattes or gourmet pizzas, business insurance is something that every restaurant and cafe owner can benefit from. Your food business interacts with people every day, from customers to suppliers ...

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How much does Business Insurance cost?

... *Data based on NSW BizCover customers How much do food businesses pay for Business Insurance? The average cost of a Business Insurance package for businesses operating in the food industry is $132.75 per month , with 36 ...

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3 Foodie Businesses Share Their Recipe For Success

... and crowd favourite, Beef Rendang Curry. Both restaurants have a loyal customer base and not just ... than rice and dumplings that go into rolling a successful food business – these are some of the ingredients that go into ...

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Business Insurance FAQs

... cover? What is Goods in Transit cover? What is Product Liability Insurance? What is Product Liability Insurance? Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the right cover by ...

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The Easter Bunny’s Guide to Business Insurance

... chocolate but there wasn't a proper warning label on the food? The Easter bunny would most likely be facing a large cost ... are stored in stop working? Within a Business Insurance pack the Easter Bunny would have cover for ...

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7 ways to save on business insurance

... business do? Do you offer a custom service or product? Where do you work? (In an office, at home, in a retail shop, restaurant ... simple, quick, and easy buying small business insurance can be! *This information is general ...

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5 Surprising Things Business Insurance Can Cover

... option that can be taken out as part of your Business Insurance policy. In some cases may even be a requirement ... significant financial losses for your business. Consider a restaurant or cafe whose refrigerator has ...

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Business Insurance in Newscastle

... pay around  $ 71.06 ** per month for  their business insurance  p ackage . Business insurance is one of the most popular types of insurance for small businesses in Newcastle . In fact, it is arguably important for ...

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Business Insurance in Bundaberg

... . I know exactly what I'm paying for, and any fees involved.” Gemma C. Mobile Food Van Operator H ow much does Business insurance cost? On average, small businesses in Bundaberg pay around $60.51 * * a month for a ...

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What is Business Insurance?

... need to protect these with the right Business Insurance cover: Businesses that own stock &/or fixtures and fittings ... Restaurants, Shops, Accountants, Repairers, Small Manufacturers etc. Could this happen to your business? ...

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Business Insurance Perth

... you have adequate cover in place. These are some examples of when you may need business insurance for your business: Public Liability insurance* May be required to work on certain contracts Required before you work on a ...

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Business Insurance Melbourne

... the right protections in place. These are some examples of when you may need business insurance for your business: Public Liability insurance* May be required to work on certain contracts Required before you work on a ...

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Business Insurance the Smart Way

... , no paperwork, no delays Use code SMART50 for $50 off Compare quotes from our trusted insurance partners: BizCover is all for small business We help clients compare and buy cover that suits all kinds of start-ups and ...

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Home Based Business Insurance

... Cost What's included & what's not? Get the right cover FAQ's Why do Home Based Businesses need insurance? Just because you don't have a typical office or working space doesn't mean things can't go wrong. Whether ...

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Business Insurance on the Gold Coast

... range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business insurance* for Gold Coast Small Businesses Business Insurance is an insurance package designed to provide cover for ...

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Business Insurance on the Central Coast

... range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business I nsurance * for Central Coast businesses Business Insurance is an insurance package designed to provide cover for ...

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Business Insurance In Wollongong

... Wollongong pay  $ 70.12 ** per month for  their business insurance package . Business  insurance is one of the most popular types of insurance for sm all businesses in Wollongong . In fact, it is  arguably important for ...

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Business Insurance in Townsville

... so you can work and play with less worry about something going wrong! How much does business insurance cost? Business insurance costs vary depending on many factors, including the type of cover you are after. For example ...

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Business Insurance in Toowoomba

... in Toowoomba pay $60.97 ** per month for  t heir business insurance packages . Business  insurance is one of the most popular types of insurance for small businesses in Toowoomba . In fact, it is arguably important for ...

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Business Insurance in Parramatta

... in Parramatta pay $71.30 ** a month for their business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Newcastle. In fact, it is arguably important for almost ...

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Business Insurance in Melton

... in Melton pay  $ 79.55 ** a month for  their business insurance package . Business  insurance is one of the most popular types of insurance for small businesses in Melton . In fact, it is arguably important for almost ...

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Business Insurance in Mackay

... a range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business Insurance for small businesses in Mackay Business Insurance is an insurance package designed to provide cover for ...

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Business Insurance in Launceston

... range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business Insurance* for Small Businesses in Launceston Business Insurance is an insurance package designed to provide cover ...

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Business Insurance in Geelong

... injury and property damage claims made by third parties. Business Insurance* Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an ...

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Business Insurance in Cairns

... Cairns pay around $73.93 * * a month for a Business insurance package . Business insurance is one of the most popular types of insurance for small businesses in Cairns. In fact, it is arguably important for almost every ...

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Business Insurance in Bunbury

... in Bunbury pay around $54 * * a month for a Business insurance policy. Business insurance is one of the most popular types of insurance for small businesses in Bunbury. In fact, it is arguably important for almost every ...

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Small Business Insurance Price Index Q3

... are holding on to pricing gains made last quarter. The latest Quarterly BizCover Small Business Insurance Price Index has shown insurance rates dropping back two points. Despite this drop, some insurers have managed to ...

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Why Aussie tradies may need business insurance

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Small Business Insurance Index

... the market at large has seen an increase in the cost of business insurance , the BizCover SME Insurance Price Index shows that overall pricing for SME insurance has remained flat over the last year. The BizCover index is ...

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7 Common Types of Small Business Insurance

... , there's no denying one the most important things you need to protect your assets is Small Business Insurance. But what kind of insurance do you actually need? There's no 'one-size-fits-all' when it comes to insuring a ...

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Spring Clean Your Salon’s Business Insurance

... fast, easy and drama-free. You just need to get back to basics. Reviewing your current cover Are your business insurance policies still a good fit for your salon? If it's been a while since you purchased cover, it might ...

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Guide to Physiotherapy Business insurance

... , so there's no messy paperwork or jargon. Find out how we help you protect your business today. *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The ...

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Understanding business insurance for bookkeepers

... negligence Contractual liability Events occurring before or after the policy period Business Insurance* There are a variety of different Business Insurance options that can help protect the things that matter most to ...

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Business Insurance Savings

... Mistakes, errors or omissions in your work Professional wrongdoing Giving incorrect advice Business Insurance Provides cover for your business contents, stock, tools and commercial premises when an insured event occurs ...

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How to start a business in Western Australia

... step you need to consider is protecting it with the appropriate kinds of business insurance. Not all kinds of business insurance policies will be right for your business, so here is an overview of some of the basics to ...

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Insurance for Cafes

... member of the public is injured or sustains property damage as a result of your negligent business activities. Business Insurance* Your business assets help make your café dream a reality and while you may not be able to ...

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Your holiday business closure checklist: 8 tips

... . This can be a great time to save money for your business. It's also a great time to make technology purchases. If ... business insurance. So whether you require business insurance in South Australia or business insurance ...

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7 ways to be a more sustainable business

... things like paper print outs, food waste and often business promotional materials like pens that are ... our easy to use online platform to get your business insurance sorted. With a selection of multiple Australian insurers ...

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What can businesses do after a data breach?

... include critical data storage, food and grocery, education, and freight businesses among many others - are ... attack. Cyber liability insurance is a type of business insurance which protects your business against both the ...

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Cyber Liability Insurance

... our service at excellent. What does Cyber Liability insurance typically cover? Cyber liability insurance is a type of business insurance which protects your business against both the legal costs and expenses related to ...

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Reviews related to Food Business Insurance

  • Great to have affordable insurance!

    Pathmawathy V
    Internet Cafe - Mainly Internet Service Operation

  • Very affordable insurance for public liability. I now use Bizcover for both my fast food business and my contractual training work.

    Katrina S
    Fast Food Retailing

  • Fantastic. Needed to organise business insurance for a new business over the Christmas holiday period. No other insurance companies were open. What a relief I could search, compare and secure a new insurance policy online through BizCover! Highly recommen

    Katherine W
    Motel Operation

  • You make life a lot simpler in choosing business insurance. Thank you.

    Paulus A
    Information Technology

  • easy process from start to finish for uncomplicated business insurance.

    Alisha O
    Management Consulting Service

  • Easy, great service, definitely recommend to those putting off business insurance because it's too hard"!

    Jordana B
    Professional Writer

  • Great alternatives for my business insurance. Saves a few hundred dollars by simply service the service :)

    Corey H
    Gift Shop Operation (Except Adult/sex Shop)

  • Made the whole process of securing business insurance easy! Thank you!

    Rosslyn C
    Management Consulting Service

  • Quick and efficient service for business insurance

    Franco M
    Horticultural Services

  • Simple easy and efficient service for business insurance renewals.

    Scott E
    Training Consultancy Service

  • Simple enough to navigate and compare, and as a first time business insurance purchase gave me confidence over other online services due to the disclosure of the underlying companies and their PDS.

    Duncan S
    Management Consulting Service

Business insurance for restaurants and cafes covers things like accidental injury or damage to a member of the public, protecting your valuable business assets and other vital areas that keep your business running.

BizCover has restaurant and café insurance options made just for Australian hospitality businesses. Compare quotes now and save!

Why do Restaurants & Cafes need Insurance?

Whether you’re serving up the best chai lattes or pizzas in town, business insurance is something every restaurant and café owner needs to consider. Your food business interacts with people every day from customers to suppliers, creating the potential opportunity for unwanted accidents to occur.

With the appropriate types of hospitality insurance in place, you are not only being a responsible food business owner, but you are helping to safeguard your restaurant or café from the financial and reputational damage a claim can cause.

Take a minute to sit back, relax and look at our menu of café and restaurant insurance options for your business. What’s more, you don’t need to shop around to find cover solutions. With BizCover, you’ll get multiple competitive quotes from leading insurers within minutes.

Did you know?

Public Liability Insurance: The average level of cover our customers take for their restaurant and cafe business is 10 million dollars.

Insurance for Restaurants & Cafes

Public Liability Insurance

There is no end to the list of possible accidents that could happen in the restaurant environment, and you need to protect your business from any potential claims. These could arise from a waiter dropping hot food on a customer, to a customer slipping on a melted ice-block on the floor, or a supplier tripping on the plastic mat in the prep area, and even unthinkable issues like broken teeth being found in food (true story). Yuck!

Food poisoning is also a huge risk for restaurants and cafes – imagine the risk to brand reputation and impact on trading from a food poisoning incident – a dodgy piece of fish or a bout of salmonella could turn your cash cow into curdled milk!

What is typically included?

Compensation for:

  • personal injury suffered by a third party (e.g., a customer, supplier, or member of the public)
  • damage to property owned by a third party due to your negligent business activities
  • legal and defence costs associated with a covered

 

What is typically not covered?

  • Injuries to your employees
  • Damage to your own property
  • Costs of rectifying faulty workmanship
  • Professional negligence
  • Contractual liability
  • Events occurring before or after the policy

Business Insurance

Even though you can’t insure the ambience you have created in your restaurant, you can insure the building and all its contents:

  • Building – if you own the building you will want to be able to rebuild or restore quickly. Water damage (pipes burst) or fire (in the kitchen) is a high risk area.
  • Contentsprotection for damage to your chairs, tables and other fittings.
  • Machinery breakdown – if you depend on your fridges to keep food fresh you will want to ensure you have cover for them. You can even get an extension to cover loss of stock – so if your fridge motor burnt out and your food was spoiled you can include the cost of these items in your claim.
  • Business interruption – continuity is important in a restaurant. What happens if there are major power outages? Not just immediate impact of days of trading but also potential loss of custom from customers who don’t return.

Management Liability

If you have employees in your restaurant, you’ll need to cover all your (pizza) bases!

  • Ensuring fair treatment in all areas of business is important e.g. protection against bullying and harassment, discrimination and unfair dismissal, EPA Fines.
  • OH&S is also an important part of running a restaurant – management liability provides cover for this.
  • Correct disposal of waste and garbage is important for small businesses and like all restaurants you will be dealing with grease – if a team member inadvertently disposed of this incorrectly you could be fined.
  • While we like to think of all employees as good people, theft in small business is commonplace. Management liability protects against such instances.

Tax Audit

As a restaurant owner you have enough to keep you busy day and night. Take the stress out of an ATO investigation with this insurance.

Cyber Insurance*

As a restaurant owner your exposure could be at the payment desk – with your eftpos machine hacked.

How much does Restaurant and Cafe Insurance cost?

No matter if you are a takeaway food business or a fine dining restaurant, no two food businesses are the same. That’s why there isn’t a stock-standard price of business insurance for restaurants and cafes. When calculating the price of your policy, there are a variety of factors which are taken into consideration.

Some of these may include:

  • The size of your business
  • How many staff you have?
  • The type of food business you are running
  • The type of coverage you take out
  • Your excess
  • The level of cover
  • Your claims history
  • Location of your business

Want to know how much restaurant, café, or food truck insurance will cost for your hospitality business? Compare quotes with BizCover and see how much you could save today!

Why choose BizCover for your restaurant and cafe insurance?

Australia's No.1 business insurance

Australia’s No.1 online insurance business

The trophy cabinet is filling up, but we take more pride in the 220,000 small businesses we have helped already… and counting.

BizCover - Clear and Competitive Pricing

Clear and competitive pricing

You can compare and choose from a range of competitive prices right there on your screen. Seriously.

BizCover - Built for Small Businesses

Built for small business

We know insurance and what makes small businesses tick.

BizCover - Real People

We won’t bore you with jargon

We’re not fans of complicated insurance speak, so we talk to you in plain English.

Claim Examples

Could this happen to your business?

Something fishy

A busy restaurant in the city had an off day and served some fish that wasn’t quite right. It resulted in five of their loyal customers being poisoned and becoming violently ill! They were each paid out $20,000 for their medical treatment and damages.

Power cut palaver

A pro-longed power outage whilst the shop was shut caused the stock of a local fish and chips shop to be ruined (including food, ice creams and drinks). The clients claim was settled for $2,373. Less the $500 discount, the client received $1,873.

Wild Forage

Watch BizCover customer, Nick Black, an entrepreneurial chef with qualifications in environmental science who is harvesting nature’s bounty and supplying restaurants in South East Queensland.

Frequently Asked Questions

To understand the types of business insurance products that can help reduce the risks to your restaurant or cafe business, you first need to identify your risk weak spots.

Public Liability insurance and Product Liability insurance are a great place to start when looking for business insurance for your restaurant or cafe business. Other types of business insurance you may consider include ContentsBuildingTax Audit and Cyber Liability insurance. Choose BizCover to compare competitive quotes and save on your business insurance.

Some of the factors that you need to think about when calculating what level of Public Liability insurance your food business needs include things like:

  • Is there a minimum level of cover that may be required in a contract or in your rental agreement from your landlord?
  • If your business is growing fast, you may want to make sure your level of cover is reviewed regularly

Prefer to talk?

Call us and talk to a real person.
Friendly, helpful service from a business insurance professional.

1300 249 268

Mon-Fri 8.30am-7.00pm
Sat 9.00am-5.00pm

* This information is a general guide only and does not take into account your objectives, financial situation or needs.  As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.
*Savings made on 24/11/2022 on Business Insurance Pack policy. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply. ©2023 BizCover Pty Limited, All rights reserved. ABN 68 127 707 975; AFSL 501 769