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
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... 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 other unwanted accidents to staff and customers. Business insurance such as food business insurance*, also known as insurance for restaurants and cafes , offers food business owners a proactive and effective way to ...read more
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... you're serving up chai lattes or gourmet pizzas, business insurance is something that every restaurant and cafe owner can benefit from. Your food business interacts with people every day, from customers to suppliers ...read more
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... *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
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... 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
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... 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
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... 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
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... so you can work and play with less worry about something going wrong! How much does business insurance cost? Business insurance costs vary depending on many factors, including the type of cover you are after. For example ...read more
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... , 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
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... 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
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... you want at a reasonable price. 7. Consider how urgent you will need coverage Where you purchase your business insurance from can affect how quickly you get covered. If you are signing a new contract or signing off on ...read more
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... 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
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... 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
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... 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
... more employees, and increasing annual revenue are just a few changes that could affect your business insurance cover. If your business has changed since you first started, you may want to review your policies. You might ...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
... step you need to consider is protecting it with the appropriate kinds of business insurance. Not all kinds of business insurance policies will be right for your business, so here is an overview of some of the basics to ...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 critical data storage, food and grocery, education, and freight businesses among many others - are ... attack. Cyber liability insurance is a type of business insurance which protects your business against both the ...read more
... our service at excellent. What does Cyber Liability insurance typically cover? Cyber liability insurance is a type of business insurance which protects your business against both the legal costs and expenses related to ...read more
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... 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
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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 220,000 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
To understand the types of business insurance products that can help reduce the risks to your restaurant or cafe business, you first need to identify your risk weak spots.
Public Liability insurance and Product Liability insurance are a great place to start when looking for business insurance for your restaurant or cafe business. Other types of business insurance you may consider include Contents, Building, Tax Audit and Cyber Liability insurance. Choose BizCover to compare competitive quotes and save on your business 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
*Savings made on 24/11/2022 on Business Insurance Pack policy. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply. ©2023 BizCover Pty Limited, All rights reserved. ABN 68 127 707 975; AFSL 501 769