Insurance for Cafes

... Liability Insurance cost for Restaurant & Cafes Why do Cafes need it? As a cafe, your business is exposed to many different risks and hazards. We know you're busy serving your regulars with cappuccinos, croissants or 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 ... caused severe damage to a café owners business. The owner was forced to close his business and repair the damage ...

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Dishing up the facts on food business insurance

... whether you have the right business insurance. When it comes to insuring ... your small food business, sometimes it can feel like ... ... 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 food van, the reality is there ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering ... risks that a small business faces? Have ... taken out as part of your Business Insurance policy. In some cases may even be a requirement by your landlord. It ... financial losses for your business. Consider a restaurant or cafe whose refrigerator has suddenly broken ...

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5 Reasons To Review Your Business Insurance This Christmas

... be a busy (as well as stressful!) time for many small businesses ... ... business safe over the festive season. 1. Increase in foot traffic One of the first things to consider is any increase in foot traffic coming in to your premises - for example if you are a cafe ... have Business Insurance to ...

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Triumph after Tragedy for QLD Fitness Trainer Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program'

... .au $60,000 'Small Business Buddy Program' Michelton resident Charlotte ... Hansen last week marked a major milestone when she ... her new personal ... have taken the hassle out of buying insurance for more than 25,000 businesses so far. They are supporters of a range of other small business programs such as the Small Business Champion Awards, which they sponsor, and ...

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Keep cool and carry on - A summer survival guide for restaurants and cafés

Iced teas, tropical fruits, a cheeky ice cream those signature ... with as a restaurant or caf owner. Summer also marks a time of ... ... and not left lying around to avoid causing a trip hazard and injuring someone Displaying the appropriate ... restaurant or café business is with Public Liability insurance. It is designed to protect your business from the ...

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Insurance for Restaurants & Cafes

... cost for Restaurant & Cafes Why do Restaurants & Cafes need it? Take a minute to sit back, relax and look at our menu of insurance options for your business. What's more, you don't need to shop around to find the ...

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Small Business Insurance Index Q2: 5 point increase, largest in 10 quarters

The Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase of ... insurers will be able to continue to further push premium rates up. It is a great time to be a buyer of insurance and if businesses are willing to obtain multiple quotes it is likely they could still save on their ...

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Life after lockdown - How to re-open your small business

... are beginning to ease and businesses are slowly starting to head ... 's a step in the right direction for Aussie small businesses and ... ... following industries: Education and childcare Cafes and restaurants Retail and sales ... Cyber Liability insurance can be a wise choice when it comes to protecting your business online. Cyber Liability insurance* is ...

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Sto Lat Restaurant & Café wins the BizGiver grant

... , the Sto Lat Restaurant and Caf! The restaurant specialises in Polish ... cuisine, while offering a unique, and for some, a familiar environment ... or theme that best showcases the spirit of the business, Eleonora responded with saying that “what we do is we provide a restaurant, café and club with a Polish and European theme, whether its people with Polish heritage ...

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3 Foodie Businesses Share Their Recipe For Success

A squeeze of passion, a pinch of pizazz, a dollop of hard-work and ... into running your own food business. In between working their magic ... which has helped the team to get the business known among the locals. While a sense of humour goes a long way, there's a whole lot more than laughs that goes into this café's recipe for success! Lauren believes it's ...

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Our Customers Get Their Bad Business Habits Out of Their System

We recently launched a campaign that showed how small business owners really feel ... system! The campaign features small business owners who were ... policy to his bandsaw. Jill, the café owner, gave the fruit and veg a break and instead blended up an ... and Jill's ingenuity, we put a spin on the question of what it was small business owners wanted to get out of their ...

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World Snake Day Customer Spotlight

... insuring all kinds of different businesses. From caf owners and electricians to ... ... ourselves insuring all kinds of different businesses. From café owners and electricians to personal trainers ... with some other people who also do snake catching as a business and basically I just thought to myself I would ...

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5 Legal Essentials for your Small Business

By Bianca Reynolds Bianca is a lawyer at LegalVision. Throughout her ... , she gained experience in a variety of areas of law ... and personal injury. ... in what really matters – growing your business! 1.Know your Business Structure Whether you operate an online shoe store or a local café, every business owner needs to know what business structure will work best for their ...

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iSelect partners with BizCover to launch business insurance comparison

... their general insurance offering to include business insurance, through a partnership with ... BizCover, Australia's leading small business ... partnering with BizCover to assist it in focusing on the SME business market. “Business insurance, like many of iSelect's other verticals, is a very complicated but important product. We know that many existing iSelect ...

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A Guide to PI Insurance

... is to make Professional Indemnity Insurance simple (also known as ... errors and omissions insurance, PI or Professional Indemnity). ... Professional ... , PI or Professional Indemnity). What is Professional Indemnity Insurance? Professional Indemnity Insurance is a form of business insurance for professionals who are in industries where others may use and rely on ...

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Getting the Best Value on Your Business Insurance

... probably have resolved to be a bit smarter with your money ... not qualified to draw up a savings plan for you we ... ... today. If you have downsized your team or you are earning less money you may be able to make a saving on your insurance. Also if you are no longer doing certain business activities - you may be able to take them off your ...

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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 ...

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Business Insurance FAQs

... ! Check out our library of FAQ's designed to make insurance easy to understand. Get Free Quotes Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the right cover by comparing ...

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Business Insurance Guide for the Self-Employed - Part 3

... print in the world of business insurance, it can feel like you ... and created a simple, comprehensive guide on all things Business Insurance ... commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass, tax audit and for loss of revenue due ...

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Business Insurance Guide for the Self-Employed - Part 1

... success. Any solid business plan should have a focus on risk management ... strategies and protection for your business ... -makers to accountants ... long haul. From candle-makers to accountants, there are a variety of business insurance solutions that cater specifically to your profession. We've put together a jargon-free series to help with understanding some of ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business can be pretty straightforward, ... buy the insurance that suits your business. But there ... pretty straightforward, jump online, compare quotes and buy the insurance that suits your business. But there are a few things you may not know about small business insurance - which may help you choose your next policy ...

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Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... easier. We've created a guide to business insurance for the self-employed ... can be confusing which is why we've made it our mission to make it a bit easier. We've created a guide to business insurance for the self-employed that profiles the main types of cover to consider and how it can ...

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Finding the Right Business Insurance Can Be Hard but BizCover Makes it Easy

... and only takes a few minutes. If you run a business, it is ... yourself and your assets with business insurance. However, figuring out exactly ... unforeseen events. The trick is figuring out exactly what kind of insurance coverage your business needs.  A lot of confusion around business insurance stems from the many different types of options available to cover ...

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Business Insurance Guide for the Self-Employed - Part 4

... piece of our Business Insurance for the self-employed ... take a look at Personal Accident and Illness insurance and ... Cyber Liability ... Want to know more? Give us a call or jump online to discover a variety of business insurance options to help protect your business. At BizCover we're all about making insurance easy and hassle-free, providing multiple ...

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STABLE INSURANCE RATES A REASSURANCE FOR SMEs

BizCover's SME Insurance Price Index has unveiled a rare bright spot for ... -19 pandemic with insurance rates remaining flat for a third ... decreasing since the second quarter of last financial year and fell a further seven per cent this quarter,” he said. “Key sections of business pack insurance that are frequently used by retailers such Contents, Glass and ...

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Small Business Insurance Price Index Q3

... on to SME Insurance Premium Price Increases! Despite a drop in some ... Quarterly BizCover Small Business Insurance Price Index has shown ... Price Increases! Despite a drop in some rates, some insurers are holding on to pricing gains made last quarter. The latest Quarterly BizCover Small Business Insurance Price Index has shown insurance rates dropping back ...

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Small Business Insurance Index

... strong price increases in the business insurance market, SMEs are continuing to ... in the cost of business insurance, the BizCover SME Insurance ... “SMEs face significant pressure when it comes to business related costs, and in a time where most other costs are increasing it is great to see that their insurance costs remain stable when purchased through the BizCover ...

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Business Insurance in Bunbury

... Consultant in Bunbury How much does Business insurance cost? On average, small businesses in Bunbury pay around $54** a month for a Business insurance policy. Business insurance is one of the most popular types ...

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Small Business Insurance: Why you might want to ensure you're covered!

Running a business can be rewarding, challenging but ... be great, there are also a lot of outlays to make ... ... So to give you a hand we've outlined a few of the key considerations around the need for adequate insurance for your business . Is insurance mandatory for your business? In Australia for some business sectors you'll find ...

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Home Based Business Insurance

... was compromised. The impact could be devastating to your business. Cyber liability insurance is a type of business insurance product, which protects your business against both the legal costs and expenses (including ...

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Business Insurance in Melton

... N. Church Operation How much does Public Liability insurance cost? On average, small businesses in Melton pay $79.55** a month for their business insurance package. Business insurance is one of the most popular types of ...

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Business Insurance in Parramatta

... Amy E. Real Estate Agent How much does Business insurance cost? On average, small businesses in Parramatta pay $71.30** a month for their business insurance package. Business insurance is one of the most popular types of ...

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Business Insurance in Toowoomba

... tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to ...

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Business Insurance in Townsville

... tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to ...

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Business Insurance in Wollongong

... tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to ...

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Business Insurance in Launceston

... tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to ...

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Business Insurance in Mackay

... tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to ...

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Business Insurance on the Gold Coast

... tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to ...

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Business Insurance in Geelong

... . Beauty Salon Operator How much does Business insurance cost? On average, small businesses in Geelong pay around $79.43**for their business insurance policy. A business insurance package is arguably important for almost ...

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Business Insurance on the Central Coast

... on the Central Coast pay around $68.66 a month**for a Business insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is arguably important for almost ...

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Business Insurance in Cairns

... W. Disability Services Provider How much does Business insurance cost? On average, small businesses in Cairns pay around $73.93** a month for a Business insurance package. Business insurance is one of the most popular ...

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Business Insurance in Bundaberg

... . Mobile Food Van Operator How much does Business insurance cost? On average, small businesses in Bundaberg pay around $60.51** a month for a Business insurance policy. Business insurance is one of the most popular types ...

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Business Insurance in Newcastle

... tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to ...

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Common Small Business Insurance Claims and How to Prevent them.

If you are a small business owner you know that things ... and have a big impact on the running of your business and ... your bottom line ... , some things happen which are out of your control and have a big impact on the running of your business and your bottom line. Whilst you've got the insurance to help you out, you'd ultimately rather avoid the disruption ...

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6 Areas You May Not Have Thought Business Insurance Covers

... 's vital to protect your business assets and revenue against potential ... risks that may impact your business, such as fire, storms, theft ... accidental ... payout could be less than you think. As with all the other cover options offered through Business Insurance if you make a claim on an underinsured building, (perhaps you were hoping to saving on some premium) the insurer ...

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Business Insurance

... – you need to ensure you have a plan to protect your business today to ensure you'll be in business tomorrow. Business Insurance can provide financial cover for your business, including the premises and contents, against ...

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The Easter Bunny's Guide to Business Insurance

... denying that Easter is big business. In the Easter game, the ... ... 's factory broke down or the refrigerators that the eggs are stored in stop working? Within a Business Insurance pack the Easter Bunny would have cover for machinery breakdown and the deterioration of stock, covering ...

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Business Insurance the Smart Way

... ups and small businesses - over 6,000 occupations. BizCover instantly provides multiple insurance quotes online and ... code SMART50 and a dedicated point of contact to help you with any insurance questions you might have ...

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Professional Indemnity Insurance for Civil Engineers

... a professional, considering Professional Indemnity insurance to protect* you and your business from ... ... , there's no one size fits all insurance solution because every business is different and no two businesses are the same. Each business has its own unique needs which depend on a variety of factors. Things like the size ...

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Insurance for Butcher Shops

... . The last thing you want on your plate is a sick customer. Business Insurance* Your customers keep the tills flowing, but your business assets keep your business going. Without the right cover you could be left forking ...

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The Art of Being a Creative Small Business

... you're running your own business as a small team or flying ... , the industry is home to a variety of careers from poets ... and many more ... of giving advice to others. The team at BizCover are here to help with your creative business insurance needs, providing a variety of competitive quotes from some of Australia's leading insurers for you to choose from ...

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Insurance for architects- the blueprint to success

The career of an architect is an exciting one, yet it's not one without risk. From the ground up, your responsibilities are skyscraper high. Beginning with the first ... or error is all it can take to send your business and your reputation crashing down. Having the right business insurance as part of your overall business plan is a solid choice and can help provide the foundations for ...

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7 Types of Insurance Your Small Business Should Consider

If you own a small business, there's no denying one ... assets is Small Business Insurance. But what kind of insurance do you actually ... tailored specifically for your profession. Professional Indemnity Insurance explained. Business Insurance Business Insurance often comes as a package encompassing a range of different coverage options for you to choose ...

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A Guide to Helping Your Business Make a Stress-Free Claim

Lodging an insurance claim is never a fun time for anyone, involving ... that mattered to your business due to a disastrous event. It can ... bit easier when it comes to claim time. While it is always important to ensure you have the right insurance policy in place to protect your business, these are a few things that you can do upfront to help when making ...

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Insurance for Furniture Manufacturers

... you run your own business, there is a lot to consider, like ... protecting your business if ... wrong. This is where business insurance ... provides you with cover in relation to the products you import. Business Insurance* A lot goes into owning your own furniture manufacturing business, from your premises to your machinery, equipment and even stock. You ...

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Insurance for Civil Engineers- what you need to know

... think about what kinds of business insurance coverage you may need to ... when you're working on a [] ... management. Having the right business insurance in place is a sound investment when it comes to protecting your business for the long haul. The world of business insurance can feel a bit overwhelming, but fortunately ...

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5 Questions to ask yourself before buying Insurance for your Small Business

Know you need business insurance but aren't sure how ... opening up a new business or have been in business for a while and ... looking ... How much cover is enough? Whether you're opening up a new business or have been in business for a while and looking to buy insurance for the first time; there are a few questions you can ask yourself upfront to help save ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... ), a leading-edge online insurance model that connects independent professionals and small businesses ... to critical Professional Liability ... months and years BizInsure will become a one-stop insurance solution for all types of small business insurance needs.” Despite the rapidly evolving business world, the insurance industry has been one of the slowest ...

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Insurance for Gift Shops

... the right cover, you could be hit with a few unwanted financial challenges that could throw a spanner in the works. Business Insurance cover includes: Contents* - This insurance will cover for loss of or damage to ...

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5 Tips for getting the best Public Liability insurance for your business

If you're a sole trader or small business owner, there's no ... business and your customers with Public Liability insurance. It offers protection ... , there's no doubt you're aware of the importance of protecting your business and your customers with Public Liability insurance. It offers protection should a customer, supplier, or even member of the public, sue your ...

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Public Liability Insurance for Cabinet Makers

Working as a cabinet maker, you are presented ... up your tools. Protecting your business against unplanned challenges, like an ... accident or a< ... the right kind of business insurances in place. Regardless if you are self-employed, a sole trader or a contractor, there are business insurance options to suit your business and its needs. Let's take a look at what is ...

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What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land surveyors ... ... support required to defend their rights, Professional Indemnity Insurance can be crucial. PI insurance is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or ...

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Keep calm and stretch on with Yoga Teacher insurance

... in, breathe out, and let a wave of calm wash over ... arranging your yoga teacher insurance go. As a yogi or yogini, you ... to protect your ... effort things don't always go to plan and you may need to have insurance to protect your business! Teaching yoga brings with it a whole host of benefits as well as having the flexibility to work in different environments ...

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Is Your Businesses Target for Cyber Criminals?

Australian businesses have become a target for cyber criminals, but ... simple ways to protect your business against an attack. BizCover managing ... threats, while criminals are becoming more and more sophisticated in their ability to exploit businesses using the internet, cyber insurance is a simple way to manage risks. BizCover's top tips to prevent and manage data ...

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Protecting your Business from Cyber Risks - Part 2

... a look at what steps you can take to protect your business ... from a cyberattack. We also explain what Cyber Liability insurance . ... totalled $637k. Need to talk about your Business Insurance? Give us a call or jump online to discover a variety of business insurance options to help protect your business. At BizCover, we're all about making ...

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How the cost of Professional Indemnity insurance is calculated

... how the cost of a Professional Indemnity (PI) insurance policy is calculated ... the cost of Professional Indemnity insurance. Insurance policy ... impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated ... number of people you employ. While growing your business is exciting and a good sign of how well things are tracking, ...

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Why do Cafes need it?

As a cafe, your business is exposed to many different risks and hazards.  We know you’re busy serving your regulars with cappuccinos, croissants or a cheeky muffin, so leave your order for business insurance with BizCover, the small business insurance specialist. Protecting your business has never been easier, receive multiple quotes, compare and get insurance cover in minutes.

Did you Know?

Public Liability Insurance: A range of limits of cover is available through BizCover,  between $5 million and $20 million.

Insurance for Cafes

Public Liability Insurance*

Your business deals with members of the public every day from customers dining at your café to suppliers delivering stock. The reality is accidents can and do happen.

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.

All it takes is for one of your staff to accidentally spill coffee on a customer or for a supplier to slip on a plastic prep mat for a public liability claim to be made against you.

Product Liability is usually included with your Public Liability policy and protects your business for personal injury or property damage claims caused by your products.

Business Insurance*

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.

Building*– If you are the owner of your café’s building, consider insuring one of your biggest assets. Building insurance will cover for loss and damage to buildings you own as a result of an insured event (such as fire, storm, wind).

Contents*– Provides cover for loss of or damage to business and kitchen equipment, stock, furniture and other property belonging to you at the insured location as a result of an insured event.

Machinery Breakdown*-Cafes rely on  fridges, coffee machines, grinders and exhaust fans to keep on running. Machinery Breakdown insurance covers the cost to repair or replace specified machinery following a breakdown.

Glass*– This type of insurance covers you for damage to glass and signage at the insured business location.

Business Interruption*– Do you worry about how you would continue to keep your business open and feed your family should you be prevented from operating your cafe? Business Interruption Insurance provides cover for loss of income and increased costs of operating your business caused by a specified insured event listed in your policy (such as fire). It is also designed to assist your business in recovering from an insured event by paying ongoing expenses such as rent and wages.?

Management Liability*

When your business starts to grow, you employ more staff, introducing a new range of risks. Management Liability insurance is designed to provide protection to both the business and its directors or officers and the company itself from the many exposures relating to the management of a company.

Tax Audit*

If your café was selected for audit, the response can be expensive and time–consuming.

Tax Audit insurance takes out some of the stress of an audit by covering your business for specific costs, including accountant’s fees and other nominated professional fees, incurred in the course of an audit.

 

*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.