Insurance for Restaurants
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What is insurance for restaurants?
Insurance for restaurants (the different types of business insurance available to a restaurant owner) helps you manage the potential costs of different risks, ensuring your restaurant can continue to operate and serve customers despite unforeseen events.
Restaurants and coffee shops face countless risks every day. From the simple slip on a wet floor to unexpected food spills during a busy shift, accidents are always just around the corner. This is the reality of owning and running a restaurant, which is what makes business insurance so important.
Why do restaurants need insurance?
Restaurant owners may need business insurance to open a restaurant in Australia and cover unexpected bills.
Lease a commercial space
Manage damages against their building and/or contents
Business interruption
Pay legal costs if you face a liability claim
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
Who needs restaurant insurance?
Business insurance is essential for many types of restaurant businesses, like:
Pizza shops
Fast food
Canteens
Bistros
Sushi shops
Noodle shops
Snack bars
Kebab shops
What types of insurance do restaurant owners need?
We offer a range of policies designed to cover your business, machinery and stock. Build an insurance package that suits your needs and buy in minutes.
Popular cover types for restaurants:
Restaurant owners could also consider:
How much does business insurance for restaurants cost?
The average monthly cost of business insurance for restaurants is $197 with BizCover. However, the cost of your policies will depend on different factors, such as the services you provide and the size of your business.
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 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.
How is the cost of insurance calculated?
Risk 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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Add Business Details
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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
Instant policy docs to your inbox.
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
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ 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
Each restaurant is different, with unique insurance needs. That said, here are a couple of commonly purchased business insurance policies you may consider:
- Public Liability insurance is designed to provide protection for you and your restaurant 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.
- Management Liability insurance protects directors and officers and the insured company itself from the many exposures relating to the management of a company.
- Tax Audit Insurance covers a business for specified costs in the event that it is selected by the Australian Tax Office for auditing.
- Cyber Liability insurance helps to protect you from claims and supports your profitability in the event of a cyber breach or attack.
A Business Insurance package can be tailored for your unique restaurant business to include:
- Building Insurance: If you own the building your shop runs out of, this cover can help you rebuild or restore it after water damage caused by burst pipes, a fire, or other covered events.
- Contents Insurance: This cover can help you replace damaged or lost stock, furnishings, business records and more after events listed in the policy wording.
- Glass Cover: Covers you for damage to internal and external glass, mirrors, porcelain and signage at your business premises.
- Theft Cover: Covers you against loss of contents and stock as well as damage to your business premises, as a result of theft or attempted theft involving forcible or violent entry from your business premises.
- Machine breakdown: This cover can help repair or replace your machinery after an unexpected failure.
- Portable Equipment: Covers you for loss and damage to items of portable equipment associated with your business.
Business interruption: Covers for financial loss as a result of an interruption to your business caused by an insured event (such as fire).
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