Food Business Insurance
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... - 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... : 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 more
... 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 more
... insurance offerings include: Professional Indemnity , Public Liability , Business Insurance , Management Liability , Cyber Insurance ... Real Estate Agents Recruitment Consultants Restaurants Retailers Social Workers Tax ...read more
... *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 more
... *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 more
... 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 more
... 1,000 occupations. Founded on the principle of making business insurance easy, BizCover looks to simplify comparing and buying insurance for small business owners. With its headquarters in Sydney, BizCover has operations ...read more
... 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 more
... 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 more
... 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 more
... 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 ...read more
... 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 more
... 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 more
... . 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... . 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 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 quotes from some of ...read more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... , 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 more
... avoid them, you might wind up in trouble. This is often true when small business owners buy business insurance. There are many insurance mistakes that could cause you grief down the track. This article covers some of the ...read more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... , 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 more
... 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 more
... 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 more
... 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 more
... include: Public Liability insurance * Professional Indemnity insurance * Business Insurance * Building insurance * Contents insurance * Business Interruption insurance * Portable Equipment insurance * Cyber Liability ...read more
... 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 more
... 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 more
... . 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 more
... 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 more
Triumph 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 more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... 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 more
... . 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 more
... 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 more
... 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 more
Reviews related to Food Business Insurance
Great to have affordable insurance!
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.
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
You make life a lot simpler in choosing business insurance. Thank you.
easy process from start to finish for uncomplicated business insurance.
Management Consulting Service
Easy, great service, definitely recommend to those putting off business insurance because it's too hard"!
Great alternatives for my business insurance. Saves a few hundred dollars by simply service the service :)
Gift Shop Operation (Except Adult/sex Shop)
Made the whole process of securing business insurance easy! Thank you!
Management Consulting Service
Quick and efficient service for business insurance
Simple easy and efficient service for business insurance renewals.
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.
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?
- 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
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.
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.
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.
Could this happen to your business?
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.
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
* 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.