Insurance for Restaurants & Cafes

... 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! Business Insurance Even though you can't insure the ...

read more

Insurance for Bakers

... your baking business from. When you are selling your baked goods to the public the risk of food poisoning ... were to be stolen. This is where business insurance comes into play and provid es the peace ...

read more

Dishing up the facts on food business insurance

... fast-paced world of the food industry leaves no spare time ... the right business insurance. When it comes to insuring your small food business ... there is an 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 ...

read more

How much does Business Insurance cost?

... 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 ...

read more

The Easter Bunny's Guide to Business Insurance

... denying that Easter is big business. In the Easter game, the ... ... chocolate but there wasn't a proper warning label on the food? The Easter bunny would most likely be facing a large ... are stored in stop working? Within a Business Insurance pack the Easter Bunny would have cover ...

read more

Business Insurance in Bundaberg

... I’m paying for, and any fees involved.” Gemma C. Mobile Food Van Operator How much does Business insurance cost? On average, small businesses in Bundaberg pay around $60.51 * * a month for a ...

read more

Business Insurance in Newcastle

... 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 ...

read more

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. ...

read more

Insurance for Restaurants

... arise from a waiter dropping hot food on a customer, a customer slipping on a melted ice-block on the floor, or a supplier tripping on the plastic mat in the prep area. Business Insurance* Even though you can't ...

read more

BizCover SME Insurance Price Index Q1 FY20

... reductions on their Public Liability insurance, while prices have remained steady ... 1.6 percent[1], with food inflation at its highest in ... ... to 1.6 percent [1] , 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

5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a general review of your business, it's worth taking time ... your insurance to ensure that if the ... common situations would have on your business. Food For Thought… The insurable risk ... concerns, claim not to have Business Interruption Insurance. (Vero SME Insurance Index,2016) 3. Do ...

read more

Insurance for Handymen

... DIY problems; we'll help your liability problems with business insurance. At BizCover, a few clicks or one call can ... and putting food on the table without having to worry. *As with any insurance, cover will ...

read more

Insurance for Personal Trainers

... plans and food preparation Professional Indemnity Insurance will also ... equipment used for business purposes only which travel with you  Contents insurance – Covers your business contents or stock ...

read more

Additional Cover for Professional Indemnity Insurance

... certificates of insurance - it's just part of the business. Hish ... Mines, a busy IT consulting business providing information management ... 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 ...

read more

Insurance for Pizza Shops

... to accidentally spill hot food on a customer or a supplier tripping over the plastic mat in the prep area for a personal injury claim to arise. Business Insurance* * Protect th e things ...

read more

Insurance for Cabinet Makers

... - all instances which can be protected with the right business insurances in place. At BizCover, in just a few clicks ... have the finances to pay the bills and put food on the table without having to worry. Portable ...

read more

3 Foodie Businesses Share Their Recipe For Success

... go into running your own food business. In between working their magic ... ... and instantly making them feel at home. It's more than rice and dumplings that go into rolling a successful food business – these are some of the ingredients that go into Miss Sushi and Dump Truk's recipe for success ...

read more

7 Surprising ways business insurance can help your company

Operating your own business often means wearing many hats ... making important decisions about your business every day. From managing the ... thought ... your staff and everything else in between there is a lot to think about. While the thought of sorting out your business insurance may feel like an overwhelming task , it is a one of the vital areas of your ...

read more

Business Insurance Guide for the Self-Employed - Part 3

... print in the world of business insurance, it can feel like you ... , comprehensive guide on all things Business Insurance for the self-employed. In ... Austral ian Tax Office (ATO) requesting an audit is enough to make you panic. Tax Audit Insurance covers a business for specified costs if the ATO selects it for auditing. The policy covers the costs of ...

read more

iSelect partners with BizCover to launch business insurance comparison

... has expanded their general insurance offering to include business insurance, through a partnership ... BizCover, Australia's leading small business ... 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

Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... 've created a guide to business insurance for the self-employed that ... and ... 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 ...

read more

Business Insurance Guide for the Self-Employed - Part 1

... plans for success. Any solid business plan should have a focus ... strategies and protection for your business for the long haul. From ... , there ... 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

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

... minutes. If you run a business, it is absolutely essential that ... yourself and your assets with business insurance. However, figuring out exactly ... want to waste money on coverage you don't need.  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 ...

read more

5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering ... most risks that a small business faces? Have ... to make themselves welcome. Glass cover is often an option that can be taken out as part of your Business Insurance policy. In some cases may even be a requirement by your landlord. It not only covers repair or ...

read more

Business Insurance Guide for the Self-Employed - Part 4

... final piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share .. ... 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

Things you didn't know about small business insurance

Getting the insurance sorted for your small business can be pretty straightforward, jump ... quotes and buy the insurance that suits your business ... 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 ...

read more

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 ... 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

Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... Quarterly BizCover Small Business Insurance Price Index has shown insurance ... 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 ...

read more

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 ... 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 ...

read more

A Mumpreneurs Guide to Understanding Business Insurance

... parenthood while running your own business is anything but an easy ... ... 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

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 ...

read more

Business Insurance 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 ...

read more

Business Insurance in 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 ...

read more

Business Insurance in Toowoomba

... $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 ...

read more

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 ...

read more

Business Insurance in 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 ...

read more

Business Insurance in Launceston

... in Launceston pay  $ 52.8 **for  their business insurance packs . Business  insurance is one of the most popular types of insurance for businesses in Launceston . In fact, it is arguably important ...

read more

Business Insurance in Mackay

... around  $ 68.55 ** per month for  their bu siness insurance package . Business  insurance is one of the most popular types of insurance for businesses in Mackay . In fact, it is arguably important for ...

read more

Business Insurance on the Gold Coast

... on the Gold Coast pay  $ 75 a month ** for  their business insurance , which is one of the most common types of insurance for small businesses on the Gold Coast . In fact, it is arguably important for ...

read more

Business Insurance on the Central 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 ...

read more

Business Insurance in 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 ...

read more

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 ...

read more

Business Insurance in Geelong

... 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 ...

read more

Business Insurance

... ’s included & what’s not? Get the right cover The business of Business Insurance* Whether you have just served your first customer or you have been in your business for many years, you have put a lot of time and ...

read more

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 ... , 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

Common Small Business Insurance Claims and How to Prevent them.

If you are a small business owner you know that things ... your business and your bottom line. Whilst you've got the insurance ... ... 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. Theft Theft is unfortunately common for small ...

read more

5 Reasons To Review Your Business Insurance This Christmas

... stressful!) time for many small businesses. Come December the big Christmas ... ... or manufacturing, chances are at this time of year you are carrying increased stock levels. Do you have Business Insurance to cover your stock and contents from theft or damage? And if you do have you considered whether ...

read more

What is Business Insurance?

... ) or you have stock items, then you need to protect these with the right Business Insurance cover: Businesses that own stock &/or fixtures and fittings and contents Consultants that use portable valuables like ...

read more

The Reality of Retail- Real Life Claims and How Business Insurance can Help

The world of retail is fast-paced and varied, with no two days ever the same. With so much going on, it also creates a recipe of risks and opportunities for things to ... 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

Getting the Best Value on Your Business Insurance

The new year is now in full swing, and if you're like some of us in this office, you will probably have resolved to be a bit smarter with your money in 2016 and perhaps ... 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 ...

read more

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 ...

read more

Business Insurance the Smart Way

... compare and buy cover that suits all kinds of start-ups and small businesses - over 6,000 occupations. BizCover instantly provides multiple insurance quotes online and you can select and purchase the right cover, at the ...

read more

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 ... it ... there's no denying one the most important things you need to protect your assets is Small Business Insurance. But what kind of insurance do you actually need? There's no 'one-size-fits-all' when it comes to insuring a ...

read more

What are some types of insurance available for small businesses?

... important consideration is getting your business insurance sorted. There are many kinds ... to getting your insurance sorted because no two businesses ... . There isn't a 'one-size-fits-all' policy when it comes to getting your insurance sorted because no two businesses are the same. For example, an accountant is going to be exposed to different risks th ...

read more

Insurance for Furniture Manufacturers

... When you run your own business, there is a lot ... wrong. This is where business insurance comes into play and should ... business' risk management ... things don't go to plan and for when you need it most. Some of the types of Business Insurance coverages available include: Contents and stock* - Cover for loss of or damage to items such as ...

read more

Insurance for Civil Engineers- what you need to know

... think about what kinds of business insurance coverage you may need to ... ... . Allegation of professional negligence are typically excluded from cover. Business Insurance Business Insurance can provide cover for your business assets* including its premises, contents, stock and in the ...

read more

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

Know you need business insurance but aren't sure how ... up a new business or have been in business for a while ... and looking to buy insurance ... the market can be a time consuming process, but thankfully there are a few options when it comes to buying business insurance including, going direct to an insurer, paying a fee to talk with a broker, or using an online ...

read more

Insurance for Gift Shops

... on stock that was left on the floor. Having the right Public Liability insurance will give you peace of mind. Business Insurance* Your customers are important but so is your stock, shop contents, and building ...

read more

Understanding Insurance for Mortgage Brokers

... with the appropriate types of business insurance. [] ... 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 a ...

read more

Understanding Insurance for Interior Designers

... is where having the right business insurance in place is vital. Let ... ins and outs of how business insurance can protect your interior design ... you create the best designs for your clients so it makes sense to insure them. Contents insurance c overs your business contents or stock if they were damaged in a fire, storm or due to malicious damage ...

read more

Understanding Insurance for Graphic Designers

... plan, that's when your business insurance comes into play. We've ... ... you delivering on projects . W hen things don't go to plan, that's when your business insurance comes into play. We've put this simple guide together to help graphic designers get a better understanding ...

read more

Public Liability Insurance for Cabinet Makers

... up your tools. Protecting your business against unplanned challenges, like an ... with the right kind of business insurances in place. Regardless ... claim, should be considered as part of your risk management plan and can be done easily with the right kind of business insurances in place. Regardless if you are self-employed, a sole trader or a contractor, there are ...

read more

Understanding Insurance for Retailers

... wrong, and that's where business insurance can help save the day ... ... industry is one which is exposed to many potential risks for things to go wrong, and that's where business insurance can help save the day. Whether you're selling the finest frocks in town or an emporium of ...

read more

The difference between Public Liability and Professional Indemnity insurance

... the most common types of business insurance, but do you really know ... protect your business. What is Public Liability insurance*? Public ... Many public liability policies also provide cover for product liability . Product Liability insurance* protects your business against claims by third parties relating to property damage or personal injury ...

read more

Steady as she goes - still no increases in Insurance Premiums!

... that the market for small business insurance continues to benefit from stability ... in insurance prices, with little movement in ... of the few ... continued competition, as well as capacity in the market. This has been the case across all insurance classes for small business, all of them seeing little change over the quarter, once again. As forecast in the last ...

read more

A Guide to PI Insurance

... is to make Professional Indemnity Insurance simple (also known as ... errors and omissions insurance, PI or Professional Indemnity). ... Professional ... 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

Insurance Premiums for Retailers Continue to Climb

... Climb The latest BizCover Small Business Insurance Price Index has been released ... showing an increase in small business insurance rates, with ... and similar to quarter 2 of last financial year, the index is showing an increase in small business insurance rates, with the index rising 3 points over last quarter. This increase however is not universal. Graph ...

read more

Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide ... capacity and competition in the insurance market over the last few ... down the price ... market over the last few years has helped drive down the price of professional/business insurance for Australian SMEs. Since the start of FY 2012/13 SMEs have benefited by a drop in rates of 24 basis points. The ...

read more

Small Business Continues to Win on Insurance Prices!

... , prices remain flat for small business. Recent financial results from the ... increase; however the BizCover Small Business Insurance Price Index ... all indicate that the industry is long overdue for a price increase; however the BizCover Small Business Insurance Price Index for the first quarter of the financial year indicates that insurers have not been able ...

read more

BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... -edge online insurance model that connects independent professionals and small businesses to ... critical Professional Liability (E&O) insurance ... (annual revenues under 2.5 million dollars) have not had many alternatives when it came to buying business insurance. BizInsure has entered this space to satisfy the needs of this important and growing market; small ...

read more

Insurance for IT Professionals

... your work done? If the answer to any of these questions is yes, you might want to consider Business Insurance for coverage of one or more of building, contents, machinery breakdown, repairs, theft, restoration or even ...

read more

What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... damage to property or the general public can occur. Business Insurance To protect your office or place of business from damage or loss, Business Insurance for land surveyors is another smart policy to consider ...

read more

Insurance for Car Wash and Auto Detailers

... damage as a result of your negligent business activities. Business Insurance* Business Insurance is a package designed to provide cover for your business contents, stock, tools and commercial premises when ...

read more

Insurance for Pet Professionals

... accidental injury or death to a dog in your care. Business Insurance Business Insurance* is a package designed to provide cover for your business contents, stock, tools and commercial premises when an insured ...

read more

Insurance for Carpenters

... , 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 loss of revenue due to ...

read more

Insurance for Cafes

... , 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 ...

read more

Insurance for Professionals

... , at your client's home or at the coffee shop, there is always the potential for mishaps and accidents. Business Insurance* Your clients are your bread and butter, but would you be able to go about your ...

read more

Insurance for Retailers

... take your customers' worries away with a bit of retail therapy, we'll take your worries away with business insurance. Whether you sell the best gifts in town, the latest fashion, or the most delicious baked goods, with ...

read more

Insurance for Real Estate Agents

... 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 ...

read more

Understanding Insurance for Real Estate Agents

... kinds of insurance you may require to keep your business [] ... ... of the public is injured or sustains property damage as a result of your negligent business activities. Business Insurance * There are a variety of different types of cover options available in a ...

read more

The Risky Business of Insurance

... Costs to Australian Small Business? Small business owners tend to be ... and future planning. Managing business risk and ensuring that a . ... 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 ...

read more

Insurance for Hair & Beauty Services

... ? Whilst you're busy keeping heads turning, BizCover partners with some of Australia's leading insurers to offer you business insurance, a cut above the rest. With just a few clicks or a phone call, you'll get multiple ...

read more

Insurance for Consultants

... 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 ...

read more

Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... to protect your business. Let us centre your insurance chakra by exploring ... possible. Despite your best 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 ...

read more

The bricks and mortar of building insurance cover- what you need to know

Your business property is like your home ... . Whether you're in the business of providing expert advice to ... ... to be complex or difficult to understand and should be of the foundations (pun intended!) to your small business insurance plan. It provides peace of mind, protecting one of your most vital assets. You can find out more ...

read more

Insurance for Victorian Plumbers

... to or managing claims which are covered by the policy. Business Insurance Business Insurance* is a package designed to provide cover for your business contents, stock, tools and commercial premises when an insured ...

read more

Reviews related to food business insurance

  • Great to have affordable insurance!

    Pathmawathy V
    Internet Cafe - Mainly Internet Service Operation

Get instant quotes

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 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

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!

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:

Management Liability

If you have employees in your restaurant, you’ll need to cover all your (pizza) bases!

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.

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.