Insurance For Small Cafe

  • Trusted by over 220,000 small businesses
  • Choose from a range of covers, including Glass and Machinery Breakdown
  • Competitive Prices with our Price Promise

Compare quotes from our trusted insurance partners*:

Insurance for Restaurants & Cafes

... & Cafes Trusted by over 220,000 small businesses Choose from a range of covers, including Glass and Machinery Breakdown Competitive Prices with our Price Promise Compare quotes from our trusted insurance partners ...

read more

Insurance for Bakers

... Trusted by over 220,000 small businesses Public and Product Liability insurance Pay by the month and policy documents that can be emailed instantly Compare quotes from our trusted insurance partners*: Why do bakers need ...

read more

Dishing up the facts on food business insurance

... have the right business insurance. When it comes to insuring your small food business, sometimes it ... average, restaurant and café owners pay approximately $75 per month for their Public Liability insurance policy. That's ...

read more

Insurance for hospitality business

... cover? Hospitality insurance is available to small businesses (including a home-based food business) that operate in hospitality, including: Small businesses that have a fixed location such as restaurants, cafes, take ...

read more

Insurance for Cafes

... 220,000 small businesses Choose from a range of cover, including Glass and Machinery Breakdown Peace of mind with our Price Promise Compare quotes from our trusted insurance partners: Why do Cafes need insurance? As a ...

read more

11 profitable small business ideas in Melbourne

... intoxicating array of bustling small businesses, from bars and cafes to boutiques, fashion houses ... our dedicated online destination for small business insurance to compare competitive business insurance in Victoria , get ...

read more

5 Surprising Things Business Insurance Can Cover

... losses for your business. Consider a restaurant or cafe whose refrigerator has suddenly broken down just before the ... insurance policies are available to small businesses, you can download our FREE Business Insurance ...

read more

Public Liability Insurance in QLD

... may need Public Liability cover for your restaurant, café, food truck, or other dining and hospitality business ... Public Liability insurance? Built for small business We know insurance and what makes small businesses tick ...

read more

Do I Need Public Liability insurance?

... Restaurant/cafe owner All businesses and sole traders can be exposed to risk. Ensure your insurance ... or you sell any form of products, Public Liability insurance is a small price to pay for big peace of mind. What ...

read more

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 ...

read more

Business Insurance in Geelong

... business and helping it grow. BizCover helps small businesses across Victoria find insurance that suits their business needs. From Tradies and Cafes to Accountants and IT Professionals, we can help you find instant cover ...

read more

Business Insurance

... BAS Agents Butcher Shops Cabinet Makers Cafes Carpenters Car Wash and Auto ... business may be exposed to. S ome of small business Insurance coverage options include: Building Insurance *  which c overs you for loss and ...

read more

Public Liability Insurance QLD

... small business Retailer can expect to pay for Public Liability insurance in Queensland is around  $76.81  per month. There are many business types that are classified as Retailers, from gift stores and florists to cafes ...

read more

How much does Public Liability Insurance Cost?

... per month^ for Public Liability insurance . From our analysis, we found that around 62% of small businesses pay less than $50 per ... , the higher the premium. For example, cafes and restaurants present a higher risk due to ...

read more

Insurance for Restaurants

... Prices with our Price Promise Compare quotes from our trusted insurance partners: Public Liability Insurance cost for Restaurant & Cafes Why do Restaurants need insurance? Take a minute to sit back, relax and look at ...

read more

Paid 4 U Cafe Wins First BizGiver Grant of 2022

... and leave them for people to take for free at the café. Take what you want and leave what you can. People ... or passion as me . Winning this grant really helps small business like us to fulfil dreams like a new fridge. ...

read more

3 Foodie Businesses Share Their Recipe For Success

... 's a whole lot more than laughs that goes into this café's recipe for success! Lauren believes it's a mix of: ... heavy… great music helps too! If you're a small business owner who would love to share your unique recipe for ...

read more

Public Liability Insurance NSW

... café owner in Thredbo, Public Liability insurance is something your NSW business needs to consider. Public Liability insurance ... pay for Public Liability Insurance? The average amount a small business operating in the ...

read more

How to Start a Business in QLD in 7 Easy Steps

... a tradie , a mobile hairdresser , or opening up a café, all types of businesses need to have a plan in place ... insurance One of the other priorities when setting up your small business is getting all the right insurances ...

read more

How to write a solid business plan in 10 steps

... plan in place is just the beginning of your new small business adventure. You've worked hard to make your business ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...

read more

7 ways to finance your startup business

... new software or a chic café, most firms and entrepreneurs need at least a small amount of money to get ... there is no “one size fits all” solution for small business insurance *, each business has its own needs, and so ...

read more

No Dramas

... Cafes IT Professionals Hair & Beauty Services Manufacturing Allied Health Professionals Professionals Insurance by Industry At BizCover we understand there is no “one size fits all” solution for small business insurance ...

read more

What is Business Insurance?

... other defined event listed in the policy. Glass Insurance Cover for breakage of internal and external glass and ... rainfall and flash flooding caused severe damage to a café owners business. The owner was forced to close ...

read more

Public Liability

... you smile! Frequently Asked Questions on Public Liability Insurance Small business owners on average in the 2018/19 Financial ... business premises, e.g. diners who visit your cafe, or clients who visit your office, whether ...

read more

Hospitality businesses caught by regulatory risk

... show how small business owners in the hospitality sector could be protected by Management Liability (ML) insurance . ... recently making surprise inspections to restaurants and cafes in Melbourne. While these are isolated ...

read more

5 legal essentials for your small business

... ve set out five essential legal needs of every small business owner. These will protect your business and allow ... you operate an online shoe store or a local café, every business owner needs to know what business structure ...

read more

How to increase restaurant sales: 15 smart ideas

... Anyone planning a small private party may be looking for a small semi-private space that ... insurance, also known as restaurant insurance or insurance for restaurants and cafes, to learn more about how hospitality insurance ...

read more

Top 6 Marketing Tips For a Gold Coast Business

... to specific locations. For example, if you are a cafe in Broadbeach on Surfers Paradise, it might be worth ... insurance while you are at it. BizCover helps small business owners by making purchasing business insurance ...

read more

Small Business Insurance Price Index Q3

... 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

7 Common Types of Small Business Insurance

... , 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

Small Business Insurance Index

... and Retail & Hospitality. Whilst all three groups saw have seen no increases in the overall prices for their insurance, there have been changes within product groups and industries. The Full Report can be viewed here . ...

read more

Professional Indemnity Insurance cost

... $84 per month on average. Our analysis shows that around 47.5% of small business pay between $51-$100 per month for their policy. Asking how much PI insurance costs is like asking what the length of a piece of string is ...

read more

Public Liability Insurance Scenario

... of their staff. It's protecting everyone, really.” In vast field of possible 'what-if's' for small business, BizCover's insurance cover has taken some of the guesswork out of choosing the right cover. In partnership with ...

read more

Business Insurance in Townsville

... June 2022 1 . If you run your own small business, insurance could be an important part of helping it grow and thrive. BizCover understands small businesses. Queensland small business owners can find cover that fits their ...

read more

5 steps for creating your small business budget

... and make informed business decisions. One important business decision that BizCover can lend a hand on is your small business insurance *. Hop over to the BizCover website or give us a call 1300 920 864 to find out how ...

read more

Business Insurance Perth

... in Western Australia? There isn't a one price fits all when it comes to business insurance for Western Australian small businesses, however these are some of the factors that are taken into consideration when calculating ...

read more

Small Business Champions

... businesses who want a quicker, easier and more cost effective way to purchase business insurance . BizCover understands that small businesses are time poor and cost conscious so our service allows you to compare quotes ...

read more

Business Insurance in Melton

... 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

Business Insurance in Launceston

... 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 for your business ...

read more

Business Insurance in Cairns

... 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

Insurance for the Self Employed

... help safeguard your business for the future against some of these unwanted events. What types of insurance might be relevant for your small business? Read more here Did you know? You may be required by law to have some ...

read more

7 ways to save on business insurance

... website or give us a call on 1300 920 864 to learn how simple, quick, and easy buying small business insurance can be! *This information is general only and does not consider your objectives, financial situation or needs ...

read more

5 productivity tips for small business owners

... risks and liabilities. A fantastic way to do that is through small business insurance *. At BizCover we've created a truly simple way to get your small business insurance online . Go online or give us a call 1300 920 ...

read more

Reviews related to Insurance For Small Cafe

  • All good!

    Bokki M
    Cafe Operation - Licensed

  • easy to navigate and simple system

    Jimmy D
    Cafe Operation - Licensed

  • Excellent process

    Frankie B
    Cafe Operation - Unlicensed

  • fast and easy

    Agata Laura V
    Cafe Operation - Unlicensed

  • Good Service and Best Price.... Keep it Up ...

    Rajeev S
    Cafe Operation - Unlicensed

  • Great

    Edward B
    Cafe Operation - Unlicensed

  • Great to have affordable insurance!

    Pathmawathy V
    Internet Cafe - Mainly Internet Service Operation

  • Really simple, fast system.

    Mitchell A
    Cafe Operation - Unlicensed

  • sems all good

    Edward H
    Cafe Operation - Licensed

  • Simplify and minimise the fine print

    Stephen C
    Cafe Operation - Licensed

  • very easy!! thank you

    Ben G
    Cafe Operation - Unlicensed

  • Easy to register

    Car Detailing 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.

BizCover has restaurant and café insurance options made just for Australian hospitality businesses. Compare quotes now and save!

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 hospitality 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 café and restaurant insurance options for your business. What’s more, you don’t need to shop around to find 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

Want to know how much restaurant, café, or food truck insurance will cost for your hospitality business? Compare quotes with BizCover and see how much you could save today!

Why choose BizCover for your restaurant and cafe insurance?

Australia's No.1 business 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.

BizCover - Clear and Competitive Pricing

Clear and competitive pricing

You can compare and choose from a range of competitive prices right there on your screen. Seriously.

BizCover - Built for Small Businesses

Built for small business

We know insurance and what makes small businesses tick.

BizCover - Real People

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

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 ContentsBuildingTax 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

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.
*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