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 ...

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Insurance for Bakers

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Dishing up the facts on food business insurance

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... 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 ...

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Business 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 ...

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Insurance 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 ...

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Insurance 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 ...

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Insurance 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 ...

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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 , with 36 ...

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How 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 ...

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Business 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 ...

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The 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 ...

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5 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 ...

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7 ways to save on business insurance

... business do? Do you offer a custom service or product? Where do you work? (In an office, at home, in a retail shop, restaurant ... simple, quick, and easy buying small business insurance can be! *This information is general ...

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Business 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 ...

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Business 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 ...

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What is Business Insurance?

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Business Insurance Perth

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Business Insurance Melbourne

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Small 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 ...

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Small Business Insurance Price Index Q3

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Home Based Business Insurance

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Business Insurance on the Gold Coast

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Business Insurance on the Central Coast

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Business 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 ...

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Business 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 ...

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Business 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 ...

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Business 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 ...

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Business Insurance in Melton

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Business Insurance in Mackay

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Business 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 ...

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Business Insurance in Geelong

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Business Insurance in Cairns

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Business 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 ...

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Business 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 ...

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Insurance 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 ...

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How 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 ...

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Why 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 ...

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... 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 ...

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The Risky Business of Insurance

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How 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 ...

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Pros and cons of opening your own business

... you may need to put on as a small business owner is figuring out your business insurance. Small business insurance is an important consideration for many businesses as it offers protection against risks you may encounter ...

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How to write a cleaning business plan

... sorted? While you're busy building your cleaning business, let us help by handling your business insurance*. We'll sweep up all the available insurance quotes for your business and present the best options for you. Go ...

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How to get clients for your consultancy business

... systems and processes, such as business insurance such as consultant insurance and professional indemnity insurance . You can support the longevity of your business with business insurance *. BizCover provides specialist ...

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A 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 ...

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Business 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 ...

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Do 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 ...

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Insurance 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. ...

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Public 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 ...

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Insurance 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 ...

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BizCover 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 ...

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Reviews related to Food Business Insurance

  • 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.
  • Contentsprotection 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.