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Great to have affordable insurance!
Pathmawathy V
Internet Cafe - Mainly Internet Service Operation
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.
Public Liability Insurance: The average level of cover our customers take for their restaurant and cafe business is 10 million dollars.
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!
Even though you can’t insure the ambience you have created in your restaurant, you can insure the building and all its contents:
If you have employees in your restaurant, you’ll need to cover all your (pizza) bases!
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.
As a restaurant owner your exposure could be at the payment desk – with your eftpos machine hacked.
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.
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.
