Food Business Insurance
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Insurance for Restaurants & Cafes
... - with your eftpos machine hacked. How much does Restaurant and Cafe Insurance cost? No matter if you are a takeaway food business or a fine dining restaurant, no two food businesses are the same. That's why there isn't ...
read moreInsurance for Bakers
... your baking business from. When you are selling your baked goods to the public the risk of food poisoning ... baking tools were to be stolen. This is where business insurance comes into play and provides the peace of mind ...
read moreDishing up the facts on food business insurance
... overwhelming choice of policies 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 ...
read morePublic Liability Insurance In Brisbane
... and hospitality BizCover offers specialised insurance for businesses operating in the restaurants, hospitality and food services industries in Brisbane. If you own a restaurant, a cafe, a cofee shop or takeaway ...
read more3 Foodie Businesses Share Their Recipe For Success
... and crowd favourite, Beef Rendang Curry. Both restaurants have a loyal customer base and not just ... than rice and dumplings that go into rolling a successful food business – these are some of the ingredients that go into ...
read moreBusiness Insurance
... Alternative Therapies Migration Agents Mobile Food Vans Nurses Painters Personal ... a restaurant owner faces will be different to a dog groomer. A common question SME operators ask is , “How much does Business Insurance ...
read more4 Big reasons why restaurant insurance is important (and how to protect yours)
... two types of insurance that many restaurant owners may consider to protect their business: Public Liability and Business Insurance. Public Liability insurance Public Liability insurance for restaurants can help safeguard ...
read moreHow much does Public Liability Insurance Cost for Restaurants & Cafe?
... food? is food cooked using a deep fryer or wok? Your business turnover and size The amount of insurance cover ... around the cost of Public Liability insurance for restaurant and café businesses. We know, sometimes you just ...
read moreKeep cool and carry on – A summer survival guide for restaurants and cafés
... restaurant or café business is with Public Liability insurance. It is designed to protect your business from ... claims from customers who may fall ill because of your food Show me the money Cash is king and is what keeps ...
read moreInsurance for Restaurants
... 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 ...
read moreInsurance for Pizza Shops
... : The average level of cover our customers take for their restaurant business is 10 million dollars * . Insurance for Pizza Shops Public Liability Insurance* A pizza shop is an environment where accidents can easily ...
read moreUnderstanding the difference between Public and Product Liability insurance
... Product Liability insurance include those which supply or distribute products within Australia. Examples of some of these kinds of businesses include: Manufacturers Cafes and restaurants that sell food products Market ...
read moreInsurance by Industry
... insurance offerings include: Professional Indemnity , Public Liability , Business Insurance , Management Liability , Cyber Insurance ... Real Estate Agents Recruitment Consultants Restaurants Retailers Social Workers Tax ...
read moreHow 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 , with 36 ...
read moreHow much does Business Insurance cost? OLD
... *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 , with 36 ...
read moreBusiness Insurance FAQs
... cover? What is Goods in Transit cover? What is Product Liability Insurance? What is Product Liability Insurance? Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the right cover by ...
read moreThe Easter Bunny’s Guide to Business Insurance
... chocolate but there wasn't a proper warning label on the food? The Easter bunny would most likely be facing a large cost ... are stored in stop working? Within a Business Insurance pack the Easter Bunny would have cover for ...
read moreHow to adapt your business insurance as your business grows
... your business insurance ... business activities your business is insured for Often as a small business owner you will find new opportunities come along your business journey. For example, if you started out as a restaurant ...
read more5 Surprising Things Business Insurance Can Cover
... option that can be taken out as part of your Business Insurance policy. In some cases may even be a requirement ... significant financial losses for your business. Consider a restaurant or cafe whose refrigerator has ...
read more5 Reasons To Review Your Business Insurance This Christmas
... premises - for example if you are a cafe or restaurant there will be more people out enjoying the festive spirit ... carrying increased stock levels. Do you have Business Insurance to cover your stock and contents from theft ...
read moreBusiness Insurance in Newscastle
... pay around $ 71.06 ** per month for their business insurance p ackage . Business insurance is one of the most popular types of insurance for small businesses in Newcastle . In fact, it is arguably important for ...
read moreBusiness Insurance in Bundaberg
... . I know exactly what I'm paying for, and any fees involved.” Gemma C. Mobile Food Van Operator H ow much does Business insurance cost? On average, small businesses in Bundaberg pay around $60.51 * * a month for a ...
read moreWhat is Business Insurance?
... need to protect these with the right Business Insurance cover: Businesses that own stock &/or fixtures and fittings ... Restaurants, Shops, Accountants, Repairers, Small Manufacturers etc. Could this happen to your business? ...
read moreSmall Business Insurance Index Q2: 5 point increase, largest in 10 quarters
... occupation was the retail trade sector including restaurants, cafes, stores etc which saw premium ... is a great time to be a buyer of insurance and if businesses are willing to obtain multiple quotes it is likely they ...
read moreBusiness Insurance Perth
... you have adequate cover in place. These are some examples of when you may need business insurance for your business: Public Liability insurance* May be required to work on certain contracts Required before you work on a ...
read moreBusiness Insurance Melbourne
... the right protections in place. These are some examples of when you may need business insurance for your business: Public Liability insurance* May be required to work on certain contracts Required before you work on a ...
read moreTips and tricks to boost your small business insurance confidence
... in the event of a claim. Luckily you don't have to be an insurance wiz kid to know the basics of business insurance. This quick business insurance guide is here to give you some tips and tricks when it comes to getting ...
read moreA quick guide to understanding small business insurance
... professional services or advice you may have provided. It may also be a requirement to have certain kinds of business insurance in place as part of your rental agreement e.g., Public Liability or Glass cover. To become a ...
read moreReasons you Should Review your Business Insurance this Christmas (2021)
... with a data breach? If the answer is no, now may be the time to consider Cyber Liability insurance . Any business that trades through an online platform, uses email or IT systems, or deals with customer data could be ...
read moreA Sole traders and freelancers guide to 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 ...
read more5 Things to consider when purchasing business insurance
... that is payable under a policy for an insured event or item.. 5. How to buy business insurance? Shopping around for business insurance can be a time-consuming process, but luckily there are options there to help make it ...
read moreUnderstanding business insurance for bookkeepers
... negligence Contractual liability Events occurring before or after the policy period Business Insurance* There are a variety of different Business Insurance options that can help protect the things that matter most to ...
read more7 Surprising ways business insurance can help your company
... is one thing you can do. If you would like to find out more about different business insurance options to protect your business contact BizCover today. We provide multiple quotes from some of Australia's leading insurers ...
read moreFinding the Right Business Insurance Can Be Hard but BizCover Makes it Easy
... can result in personal liability for alleged or actual wrong-doing In the past, the best way to find business insurance was to talk to people in your industry and ask for a recommendation of a broker familiar with your ...
read moreBusiness Insurance the Smart Way
... , no paperwork, no delays Use code SMART50 for $50 off Compare quotes from our trusted insurance partners: BizCover is all for small business We help clients compare and buy cover that suits all kinds of start-ups and ...
read moreHome Based Business Insurance
... Cost What's included & what's not? Get the right cover FAQ's Why do Home Based Businesses need insurance? Just because you don't have a typical office or working space doesn't mean things can't go wrong. Whether ...
read moreBusiness Insurance on the Gold Coast
... range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business insurance* for Gold Coast Small Businesses Business Insurance is an insurance package designed to provide cover for ...
read moreBusiness Insurance on the Central Coast
... range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business I nsurance * for Central Coast businesses Business Insurance is an insurance package designed to provide cover for ...
read moreBusiness Insurance In Wollongong
... Wollongong pay $ 70.12 ** per month for their business insurance package . Business insurance is one of the most popular types of insurance for sm all businesses in Wollongong . In fact, it is arguably important for ...
read moreBusiness Insurance in Townsville
... Townsville pay $91.55 * * per month for their business insurance package. Business insurance is one of the most popular types of insurance for small businesses in Wollongong. In fact, it is arguably important for almost ...
read moreBusiness Insurance in bunbury
... in Bunbury pay around $54 * * a month for a Business insurance policy. Business insurance is one of the most popular types of insurance for small businesses in Bunbury. In fact, it is arguably important for almost every ...
read moreFind out how these SMEs saved hundreds on their business insurance
... . How can I make the switch? Whether you're switching from a different provider or it's your first time getting business insurance , we've made it easy to get it sorted. Having up to six of some of Australia's leading ...
read moreThree reasons your business insurance may no longer be right for your business
... there are many perks to being your own boss, overseeing everything can get quite dramatic. Luckily with BizCover, business insurance doesn't have to be. Click here to compare quotes or give us a call today – no dramas ...
read moreA Mumpreneurs Guide to Understanding Business Insurance
... expert advice on marketing strategies or have the best smelling candle stand at the local markets, business insurance is something all businesses need to think about. So pour yourself a tea or coffee, turn off Zoom and ...
read moreThe Reality of Retail- Real Life Claims and How Business Insurance can Help
... between, no matter how much care you take, accidents and incidents can still happen-and that’s where business insurance comes into play. It provides peace of mind and protection during those times when you need it most ...
read moreBusiness Insurance Guide for the Self-Employed – Part 4
... ? 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 quotes from some of ...
read moreBusiness Insurance Guide for the Self-Employed – Part 3
... and a hassle-free experience give us a call or jump online. At BizCover, we make arranging your business insurance easy and lingo-free. Receive multiple quotes from some of Australia's leading insurers in minutes. * As ...
read moreBusiness Insurance Guide for the Self-Employed – Part 2
... 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 profil es the main types of cover to consider and how it can protect you for the ...
read moreBusiness Insurance Guide for the Self-Employed – Part 1
... would be incurred to defend the insured if the matter became litigated could exceed $25,000. If you need to sort out your business insurance or find out more, get in touch with the friendly BizCover team to experience ...
read moreSmall Business Insurance Index
... the market at large has seen an increase in the cost of business insurance , the BizCover SME Insurance Price Index shows that overall pricing for SME insurance has remained flat over the last year. The BizCover index is ...
read moreiSelect partners with BizCover to launch business insurance comparison
... company was thrilled to be 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 ...
read moreSmall Business Insurance Price Index Q3
... are holding on to pricing gains made last quarter. The latest Quarterly BizCover Small Business Insurance Price Index has shown insurance rates dropping back two points. Despite this drop, some insurers have managed to ...
read moreThings you didn’t know about small business insurance
... of cover. A small price to pay even if it is unlikely you will have a million dollar claim. However your business insurance may cover personal items If you have cover for theft and there is a break in to your office, you ...
read moreGetting the Best Value on Your Business Insurance
... plan for you we can help you with tips on getting the best value on your business insurance . Cover yourself up! Check your insurance cover levels to see whether you have the right levels of cover. First let's make ...
read moreCommon Small Business Insurance Claims and How to Prevent them.
... our limited resources it's hard to plan for everything. Here are some of the most common BizCover Business Insurance customer claims, and tips on how to prevent them. 1. Theft Theft is unfortunately common for small ...
read more6 Areas You May Not Have Thought Business Insurance Covers
... , but your 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 ...
read moreBusiness Insurance in Toowoomba
... in Toowoomba pay $60.97 ** per month for t heir business insurance packages . Business insurance is one of the most popular types of insurance for small businesses in Toowoomba . In fact, it is arguably important for ...
read moreBusiness Insurance in Parramatta
... Parramatta pay $71.30 * * a month for their business insurance package . Business insurance is one of the most popular types of insurance for small businesses in Newcastle . In fact, it is arguably important for almost ...
read moreBusiness Insurance in Melton
... in Melton pay $ 79.55 ** a month for their business insurance package . Business insurance is one of the most popular types of insurance for small businesses in Melton . In fact, it is arguably important for almost ...
read moreBusiness Insurance in Mackay
... a range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business Insurance for small businesses in Mackay Business Insurance is an insurance package designed to provide cover for ...
read moreBusiness Insurance in Launceston
... range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business Insurance* for Small Businesses in Launceston Business Insurance is an insurance package designed to provide cover ...
read moreBusiness Insurance in Geelong
... a range of covers to suit your business needs Compare quotes from our trusted insurance partners: Business Insurance* for Geelong businesses Business Insurance is an insurance package designed to provide cover for your ...
read moreBusiness Insurance in Cairns
... Cairns pay around $73.93 * * a month for a Business insurance package . Business insurance is one of the most popular types of insurance for small businesses in Cairns. In fact, it is arguably important for almost every ...
read moreSmall Business Insurance: Why you might want to ensure you’re covered!
... cost, time and disrupted focus occurred. The cyber crime is on the rise, cyber insurance may be required Many small businesses think their business is too small to attract cyber criminals yet in today's world size doesn ...
read moreInsurance for Cafes
... member of the public is injured or sustains property damage as a result of your negligent business activities. Business Insurance* Your business assets help make your café dream a reality and while you may not be able to ...
read moreHow to make your small business more sustainable
... things like paper print outs, food waste and often business promotional materials like pens that are ... our easy to use online platform to get your business insurance sorted. With a selection of multiple Australian insurers ...
read moreWhy do some small businesses fail?
... include: Public Liability insurance * Professional Indemnity insurance * Business Insurance * Building insurance * Contents insurance * Business Interruption insurance * Portable Equipment insurance * Cyber Liability ...
read more6 Ways to save money on tradie insurance
... to those that do you may be missing out on the policy that is right for your business. 2. Use an Online Insurance Service Your business probably keeps you very busy. It might seem like there just aren't enough hours in ...
read moreUnderstanding how to avoid underinsuring your business
... . Need Building or Contents insurance for your small business ? At BizCover we understand the different insurance needs of our small business community and believe getting your business insurance sorted should be free ...
read moreHow to Kickstart Your Best Year in Business
... away. They can help put you on the right path when it comes to sorting out your business insurance. A few small changes to your small business can have a big impact. It's all about working smarter, not harder, so go on ...
read moreThe Risky Business of Insurance
... that 70% of these affected by a major event never recover. So how does a small business owner make savvy insurance decisions? Define “must haves” It's important to distinguish between 'must have' and 'nice to have ...
read moreTriumph after Tragedy for QLD Fitness Trainer Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program'
... . BizCover partners with leading insurers to provide cover for over 2000 occupations and 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 ...
read moreA Guide to PI Insurance
... in under 2 minutes , and purchase in only a couple more. BizCover also allows business professionals to compare policies from leading insurance providers ( AIG , Dual and Vero ) to make sure that you're getting the ...
read moreBusiness Horror Stories
... can be the only saviour for a business in cases like these. In this case, the restaurant was covered and the crime section of their policy covered them. Business Insurance cover options such as Management Liability and ...
read moreDo I need Public Liability insurance?
... the following areas: Tradie Retail Professiona l i.e., consultant Restaurant/cafe owner All businesses and sole traders can be exposed to risk. Ensure your insurance policies are up to date and provide adequate coverage ...
read moreInsurance for Marketing Consultants
... sales and profits, but you should consider appropriate business insurance to protect you against potential pain-points. ... a food manufacturing client to prepare an advertising campaign for their newest baby food product. ...
read morePublic Liability Insurance VIC PPC
... included & what's not? Get the right cover FAQ's Here's the lowdown on Public Liability insurance* As a small business owner you already have lots to worry about. From paying your employees to getting stock delivered on ...
read moreSetting up and finding the right location for your start-up business- a how-to guide
... portable business set up, food truck Operating from home Need a warehouse/ storage facility for stock Business location ... think about why you may need business insurance . If you are renting a business space, it is often a ...
read moreInsurance for Personal Trainers
... to dietary plans and food preparation Professional Indemnity Insurance will also assist with ... in the policy. Personal Accident and Illness Insurance* Your body is your business. If you were to seriously injure yourself ...
read moreA blue-collar workers guide to understanding Personal Accident and Illness insurance
... . As a small business owner, chances are you have some sort of business insurance already in place. ... as domestic expenses like utilities and food Helps to protect the longevity of your business, by not having to dip into ...
read moreBizCover SME Insurance Price Index Q1 FY20
... rose to 1.6 percent , with food inflation at its highest in five years and transport costs increasing steadily. The increase did not affect the cost of insurance for small businesses on the BizCover platform as prices ...
read moreInsurance for Cabinet Makers- What You Need to Know
... Having the right types of insurance in place to protect your cabinet making business is a solid investment, ... concentrate on your recovery and still be able to put food on the table without having to worry . Co ver ...
read more5 Tips for an Insurance Health Check
... some common situations would have on your business. Food For Thought… The insurable risk that most ... their top concerns, claim not to have Business Interruption Insurance. (Vero SME Insurance Index,2016) 3. Do I have ...
read moreAdditional Cover for Professional Indemnity Insurance
... business selling natural and organic skincare products in 2013. Suppliers and sellers of goods - including everything from cars to food ... costly legal action. PI Insurance protects small businesses from this type of action ...
read moreInsurance for Cabinet Makers
... means you can focus on your recovery and have the finances to pay the bills and put food on the table without having to worry. Business Insurance* Your clients bring in your income, but where would you be without your ...
read moreInsurance for Handymen
... DIY problems; we'll help your liability problems with business insurance. At BizCover, a few clicks or one call ... work). You can keep paying the bills and putting food on the table without having to worry. Claim Examples ...
read moreUnderstanding Insurance Requirements for Electricians in QLD
... to consider, especially when it comes to business insurance* and being compliant with specific requirements. ... exact amount you should have, but we can give you food for through when it comes to what you need to consider ...
read moreChoosing the Best Pricing Strategy for Your Business
... watch brands to the perceived ethics of organic food. Premium pricing tactics are driven by three major ... call , tell us a bit about your business and get your insurance sorted in minutes with no dramas! This information ...
read moreHow to survive the silly season: a guide for small businesses
... many cafes and restaurants hosting Christmas luncheons and parties. No matter what business you're in, ... especially if you're anticipating an increase in business. If you have insurance for your stock, make sure that you ...
read moreReviews related to Food Business Insurance
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Great to have affordable insurance!
Pathmawathy V
Internet Cafe - Mainly Internet Service Operation -
Very affordable insurance for public liability. I now use Bizcover for both my fast food business and my contractual training work.
Katrina S
Fast Food Retailing -
Fantastic. Needed to organise business insurance for a new business over the Christmas holiday period. No other insurance companies were open. What a relief I could search, compare and secure a new insurance policy online through BizCover! Highly recommen
Katherine W
Motel Operation -
You make life a lot simpler in choosing business insurance. Thank you.
Paulus A
Information Technology -
easy process from start to finish for uncomplicated business insurance.
Alisha O
Management Consulting Service -
Easy, great service, definitely recommend to those putting off business insurance because it's too hard"!
Jordana B
Professional Writer -
Great alternatives for my business insurance. Saves a few hundred dollars by simply service the service :)
Corey H
Gift Shop Operation (Except Adult/sex Shop) -
Made the whole process of securing business insurance easy! Thank you!
Rosslyn C
Management Consulting Service -
Quick and efficient service for business insurance
Franco M
Horticultural Services -
Simple easy and efficient service for business insurance renewals.
Scott E
Training Consultancy Service -
Simple enough to navigate and compare, and as a first time business insurance purchase gave me confidence over other online services due to the disclosure of the underlying companies and their PDS.
Duncan S
Management Consulting Service
Business insurance for restaurants and cafes covers things like accidental injury or damage to a member of the public, protecting your valuable business assets and other vital areas that keep your business running.
Why do Restaurants & Cafes need Insurance?
Whether you’re serving up the best chai lattes or pizzas in town, business insurance is something every restaurant and café owner needs to consider. Your food business interacts with people every day from customers to suppliers, creating the potential opportunity for unwanted accidents to occur.
With the appropriate types of business insurance in place, you are not only being a responsible food business owner, but you are helping to safeguard your restaurant or café from the financial and reputational damage a claim can cause.
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 best cover solutions. With BizCover, you’ll get multiple competitive quotes from leading insurers within minutes.
Did you Know?
Public Liability Insurance: The average level of cover our customers take for their restaurant and cafe business is 10 million dollars.
Insurance for Restaurants & Cafes
Public Liability Insurance*
There is no end to the list of possible accidents that could happen in the restaurant environment, and you need to protect your business from any potential claims. These could arise from a waiter dropping hot food on a customer, to a customer slipping on a melted ice-block on the floor, or a supplier tripping on the plastic mat in the prep area, and even unthinkable issues like broken teeth being found in food (true story). Yuck!
Food poisoning is also a huge risk for restaurants and cafes – imagine the risk to brand reputation and impact on trading from a food poisoning incident – a dodgy piece of fish or a bout of salmonella could turn your cash cow into curdled milk!
What is typically included?
Compensation for:
- personal injury suffered by a third party (e.g., a customer, supplier, or member of the public)
- damage to property owned by a third party due to your negligent business activities
- legal and defence costs associated with a covered
What is typically not covered?
- Injuries to your employees
- Damage to your own property
- Costs of rectifying faulty workmanship
- Professional negligence
- Contractual liability
- Events occurring before or after the policy
Business Insurance*
Even though you can’t insure the ambience you have created in your restaurant, you can insure the building and all its contents:
- Building – if you own the building you will want to be able to rebuild or restore quickly. Water damage (pipes burst) or fire (in the kitchen) is a high risk area.
- Contents – protection for damage to your chairs, tables and other fittings.
- Machinery breakdown – if you depend on your fridges to keep food fresh you will want to ensure you have cover for them. You can even get an extension to cover loss of stock – so if your fridge motor burnt out and your food was spoiled you can include the cost of these items in your claim.
- Business interruption – continuity is important in a restaurant. What happens if there are major power outages? Not just immediate impact of days of trading but also potential loss of custom from customers who don’t return.
Management Liability*
If you have employees in your restaurant, you’ll need to cover all your (pizza) bases!
- Ensuring fair treatment in all areas of business is important e.g. protection against bullying and harassment, discrimination and unfair dismissal, EPA Fines.
- OH&S is also an important part of running a restaurant – management liability provides cover for this.
- Correct disposal of waste and garbage is important for small businesses and like all restaurants you will be dealing with grease – if a team member inadvertently disposed of this incorrectly you could be fined.
- While we like to think of all employees as good people, theft in small business is commonplace. Management liability protects against such instances.
Tax Audit*
As a restaurant owner you have enough to keep you busy day and night. Take the stress out of an ATO investigation with this insurance.
Cyber Insurance*
As a restaurant owner your exposure could be at the payment desk – with your eftpos machine hacked.
How much does Restaurant and Cafe Insurance cost?
No matter if you are a takeaway food business or a fine dining restaurant, no two food businesses are the same. That’s why there isn’t a stock-standard price of business insurance for restaurants and cafes. When calculating the price of your policy, there are a variety of factors which are taken into consideration.
Some of these may include:
- The size of your business
- How many staff you have?
- The type of food business you are running
- The type of coverage you take out
- Your excess
- The level of cover
- Your claims history
- Location of your business
Why choose BizCover for your restaurant and cafe insurance?
Australia’s No.1 online insurance business
The trophy cabinet is filling up, but we take more pride in the 160,000 small businesses we have helped already… and counting.
Clear and competitive pricing
You can compare and choose from a range of competitive prices right there on your screen. Seriously.
Built for small business
We know insurance and what makes small businesses tick.
We won’t bore you with jargon
We’re not fans of complicated insurance speak, so we talk to you in plain English.
Claim Examples
Could this happen to your business?
Something fishy
A busy restaurant in the city had an off day and served some fish that wasn’t quite right. It resulted in five of their loyal customers being poisoned and becoming violently ill! They were each paid out $20,000 for their medical treatment and damages.
Power cut palaver
A pro-longed power outage whilst the shop was shut caused the stock of a local fish and chips shop to be ruined (including food, ice creams and drinks). The clients claim was settled for $2,373. Less the $500 discount, the client received $1,873.
Wild Forage
Watch BizCover customer, Nick Black, an entrepreneurial chef with qualifications in environmental science who is harvesting nature’s bounty and supplying restaurants in South East Queensland.
Frequently Asked Questions
A way to try and figure out what type of business insurances your food business may need is by understanding the types of risks that your business is exposed to.
Public Liability insurance is typically one of the main types of business insurances restaurants and cafes may need to consider. There are also other types of business insurances like Contents, Building, Tax Audit and Cyber Liability that are there to help protect the things that help keep your business running every day.
Product Liability insurance is often included in your Public Liability insurance policy, but it is always worth double checking with your insurer to make sure you are covered.
Product Liability insurance protects your business against claims by third parties relating to property
damage or personal injury caused by your products.
If you are part of your food business then you may want to consider ensuring you have cover for Product Liability with your Public Liability insurance.
Some of the factors that you need to think about when calculating what level of Public Liability insurance your food business needs include things like:
- Is there a minimum level of cover that may be required in a contract or in your rental agreement from your landlord?
- If your business is growing fast, you may want to make sure your level of cover is reviewed regularly
Prefer to talk?
Call us and talk to a real person.
Friendly, helpful service from a business insurance professional.
1300 249 268
Mon-Fri 8.30am-7.00pm
Sat 9.00am-5.00pm
* This information is a general guide only and does not take into account your objectives, financial situation or needs. 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.