Insurance for Cafes
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What is cafe insurance?
Café insurance (the many types of cover available to food businesses) helps café owners protect their growing businesses against risks such as customer injuries, theft, and broken equipment.
We know you’re busy serving up cappuccinos, croissants or a cheeky muffin, but potential troubles are probably never far from your mind. If paying unplanned bills out of pocket would burn through your savings, you might want to consider business insurance.
Why do cafes need insurance?
Cafes may need business insurance to meet contractual obligations and cover unexpected bills.
Lease café space
Repair or replace damaged equipment
Replace stolen equipment or cash
Cover losses caused by unplanned business interruptions
Pay legal costs if you face a liability claim
Who needs café insurance?
Many café owners consider business insurance to protect their businesses, from coffee shops to takeaway shops and pizza
Cafes
Coffee Shops
Coffee Carts
Pizza Shops
Takeaway Shops
Ice Cream Shops
What types of insurance do cafes need?
We offer a range of cover options made to protect a café’s stock, equipment, and much more. Create an insurance package that fits your needs and buy in minutes
Popular cover types for cafes:
Cafes could also consider:
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
How much does cafe insurance cost?
The average cost of business insurance for cafes is $180 per month* with BizCover.
However, the amount you pay will depend on many factors, such as where your cafe is located and how many employees are covered.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual Turnover
Number of Employees
Claims History
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy as the example listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today
Select Profession
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5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
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How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See how much others have saved while purchasing policy through BizCover
Colette
Disability Care Worker from
NSW
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$1,200
on
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Andrea
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$1,500
on
Business insurance Pack and,
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Deborah
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$3,600
on
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Lance
Electrician from
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$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
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$1,500
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Linda
Restaurant owner from
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Saved
$1,000
on
Business Insurance Pack and
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^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
The short answer is probably yes. Cafes have regular contact with customers, suppliers and the public. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.
Your business assets help make your café dream a reality, and while you may not be able to insure the welcoming ambience that you’ve created, you can insure your bricks and mortar, and contents. A Business Insurance Pack is a convenient, customisable insurance package that can include cover options, such as Building, Contents, Machinery Breakdown, Glass, Business Interruption and much more.
Hear from our customers
Real-life customer reviews verified by Feefo
Customer service was outstanding
Alexander O
This makes my life so easy I would recommend BizCover to anyone
Lynda and James S
Wow, so easy. I was shocked. Thank you! My time precious at the moment.
Raoul S
I have gone through BizCover to insure two of my businesses which I have found easy to do online and not having a lot of time to waste on phone calls I find it convenient and time saving.
Angela B
Quick, simple and painless. The way everything should be.
Scott S
Real-life customer reviews verified by Feefo