Insurance for Restaurants & Cafes

Public Liability Insurance cost for Restaurant & Cafes

Why do restaurants and cafes need insurance?

Whether you’re serving up the best coffees or pizzas in town, business insurance is something every restaurant and café owner may want to consider. Working in a customer-centric industry means that your business interacts with people every day, creating the potential for accidents that business insurance could help you manage.

What types of insurance might restaurants need?

Public Liability Insurance

There is no end to the list of possible accidents that could happen in a hospitality environment, from a customer contracting food poisoning due to a mishandled meal to a supplier slipping on a melted ice-block. Public Liability insurance* is there to help protect your business from potential claims likes these and others.

Business Insurance

Restaurants and cafes face many different kinds of risks, from machinery breakdown to the theft of expensive kitchen tools and equipment. By creating your own Business Insurance Pack*, you can pick and choose the different kinds of cover that suit your needs – such as Contents, Glass. Machinery Breakdown, Portable Equipment, Business Interruption and Theft insurance, to name just a few.

Management Liability

If you employ people to work in your cafe or restaurant, then you may wish to consider Management Liability insurance*. This covers your business from claims that may occur due to OH&S issues, unfair dismissal, or statutory breach of duty, among other things.

Tax Audit insurance

As a busy cafe or restaurant owner, you have enough on your plate without worrying about an Australia Tax Office (ATO) investigation. This is where  Tax Audit insurance* can help, by helping you cover specified costs in the event that you’re selected by the ATO for auditing.

Cyber Insurance*

A restaurant or cafe is just as much a target for cybercriminals as any other business. A cyberattack that shuts down your electronic payments and online reservation systems could badly disrupt your business.  Cyber Liability insurance* can help protect your restaurant or cafe if it experiences a cyber breach or attack.

How much does insurance for restaurants and cafes cost?

Restaurants and cafes pay an average of $285.63 per month for their business insurance with BizCover^†. That’s based on over 3,500 restaurants and cafes who got insurance with us in 2023.

At BizCover, we cover all kinds of hospitality business, from food trucks to fine dining restaurants. The type of business you operate will impact the cost of your business insurance, as well as other factors like the cover options taken and where your business is located.

Hear what our Cafes and Restaurant Owners have to say