Insurance for Restaurants
Choose from a range of covers, including Glass and Machinery Breakdown
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Choose from a range of covers, including Glass and Machinery Breakdown
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What is restaurant insurance?
Restaurant insurance (the many types of business insurance made for food businesses) helps you manage unplanned bills caused by customer injuries, accidental property damage, cyberattacks, and machinery breakdown.
A customer slips on a melted ice block and is injured; a waiter drops hot food on a customer; a major power outage leaves you unable to cook for hours. The risks your restaurant may face are endless—and potentially expensive.
If fixing issues like these would spoil your budget, then you might want to consider business insurance.
Why do restaurants need insurance?
Restaurants may need business insurance to meet contractual obligations, protect their business assets, and pay unplanned expenses.
Lease commercial space
Replace damaged stock
Pay legal costs if you face a 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.
Did you know?
You may need certain types of insurance to run your restaurant. Commercial landlords often require tenants to have Public Liability insurance to lease commercial space. Public Liability insurance is designed to provide protection for you and your restaurant 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.
Additionally, if you are renting your businesses premises, part of your commercial lease may require you to take out Glass cover (a cover option available through a Business Insurance Package).
Who needs restaurants’ insurance?
Many restaurant owners consider business insurance to protect their businesses, from cafes and coffee shops to mobile food trucks and pizza shops.
Restaurants
Cafes
Coffee Shops
Pizza Shops
Ice Cream Shops
Takeaway Shops
Mobile Food Trucks
Fine Dining Restaurants
Fast Food Restaurants
What types of insurance do restaurants need?
We offer a range of cover options made to protect a restaurant’s machinery, stock, and much more. Create an insurance package that fits your needs and buy in minutes.
Popular cover for Restaurants:
Restaurants may also consider:
How much does restaurants’ insurance cost?
The average cost of business insurance for restaurants is $198* per month with BizCover.
However, the amount you pay will depend on many factors, such as where your restaurant is located and how many employees you have.
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 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
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
Pick Your Covers
Add Business Details
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Get Covered Online
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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We’re not ones to blow our own trumpet, but we are pretty proud of our innovative insurance platform, outstanding team, and stellar workplace.
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
A Business Insurance Package is a convenient way for restaurant owners to insure their building and its contents. These insurance bundles can be customised to include cover that suits your restaurant, including:
- Building: This type of insurance provides cover for your building if it is damaged as a result of a fire, storm, malicious activity or another defined event listed in the policy.
- Contents: Covers your business contents or stock if they are damaged in a fire, storm or due to malicious damage or some other defined event listed in the policy.
- Machinery Breakdown: If you depend on your fridges to keep food fresh you can consider cover for a breakdown.
- Business Interruption: Continuity is important in a restaurant. What happens if there are major power outages? This type of insurance covers for financial loss as a result of an interruption to your business caused by an insured event (such as fire).
- Theft: 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.
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