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
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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 moreInsurance 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 moreDishing 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 moreInsurance 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 moreInsurance 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 more11 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 moreTriumph after Tragedy for QLD Fitness Trainer Latest Winner of Bizcover.com.au $60,000 'Small Business Buddy Program'
... traditional methods of buying insurance,” said Gottlieb, who adds BizCover have 25,000 small business customers across 2,000 plus occupations ranging from dog walkers to hairdressers to café owners and IT consultants ...
read moreWhat makes small businesses a target for cybercrime?
... may work remotely - whether that be in their own home, in a café, in their holiday home, or on the road. While this can be ... business insurance such as Cyber Liability insurance. Remember - no business is too small to ...
read more5 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 morePublic 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 moreDo 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 moreMobile Food Truck Business wins a new sparkling make-over with the latest BizGiver Small Business Grant.
... a little 'Suga & Spice' Cafe,” states Vicky. This goal is now even closer, thanks to the BizGiver Small Business Grant . The BizGiver Small Business Grant is an initiative started by BizCover Insurance , which grants the ...
read moreHow to adapt your business insurance as your business grows
... to keep your business protected, in particular your business insurance. Reviewing the type of business activities your business is insured for Often as a small business owner you will find new opportunities come along ...
read moreSmall Business Insurance Index Q2: 5 point increase, largest in 10 quarters
... Small Business Insurance Index has shown that Australian SME's may have enjoyed the end of declining insurance ... was the retail trade sector including restaurants, cafes, stores etc which saw premium rates increase ...
read moreBusiness 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 moreBusiness 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 moreBusiness 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 moreWhat’s the difference between Public and Product Liability insurance?
... small business with Public and Product Liability insurance. What is Public Liability insurance*? Public Liability insurance ... these kinds of businesses include: Manufacturers Cafes and restaurants that sell food products ...
read morePublic 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 moreHow 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 moreInsurance 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 morePaid 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 moreSto Lat Restaurant & Café wins the BizGiver grant
... , mention this article and the Sto Lat Restaurant and Café will give you a free drink with any main meal ... the date of this article being published. Own a small business? BizGiver grants the wish of one lucky business ...
read moreHow much does Public Liability Insurance Cost for Restaurants & Cafe?
... a hassle-free quote for your business here. What is the average premium for Public Liability insurance? On average, in 2021/22 restaurant and cafe owners in NSW could expect to pay a premium of around $74 per month^ for ...
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Keep cool and carry on – A summer survival guide for restaurants and cafés
... unexpected challenges your small business should be prepared for. Safety First Restaurants and cafes are a ... to safeguard your restaurant or café business is with Public Liability insurance . It is designed to protect ...
read more7 marketing tips for Australian restaurants and cafes
... plan can help your restaurant or café thrive. But increased sales may mean increased risk. You may want to add business insurance to your recipe for success. BizCover has insurance options made just for food businesses ...
read more3 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 moreTop 6 ways to increase customer loyalty at your restaurant
... food business, as does café customer loyalty for café business owners. To ... small business owners reduce their exposure to risk by providing an easier and faster way to buy business insurance. Experience business insurance ...
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... . BizCover makes it easy to compare insurance for restaurants , cafes, and other food businesses . You ... ve overlooked! 8. Embrace technology Tech has made running a small business much easier than it used to be. By using ...
read moreOur customers get their bad business habits out of their system
... we put a spin on the question of what it was small business owners wanted to get out of their system. We decided ... s resolve is to take more trips to her local café, where she can enjoy working in a more caffeinated ...
read moreHow to Start a Business in Australia: 6 – Step Checklist
... anything needs tweaking before your open your doors to the public. 6. Get business insurance After putting in all this effort to start your own small business, you need to look at taking the right steps to ensure you are ...
read moreHow to choose a business location: 4 key factors to consider
... shop, you will need to look at having the right insurances in place to protect your business for the long haul. ... understanding the area that you plan on settling in and small things you can do to ensure a solid base for ...
read morePublic 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 moreHow 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 moreHow 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 ...
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... 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 moreNo 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 moreWhat 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 morePublic 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 moreHospitality 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 more5 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 more5 reasons to review your business insurance this Christmas
... in to your premises - for example if you are a cafe or restaurant there will be more people out enjoying the festive ... 's the time to make sure you have Public Liability insurance , and if you do have it, ensuring you have ...
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... 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 ...
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... and turn it into a profitable small business can require that you ... insurance - also referred to as insurance for restaurants and cafes , or hospitality and restaurant insurance. Learn more about how hospitality insurance ...
read moreTop 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 moreHow to start an online food business from home in 7 steps
... your exposure to risk by investing in food business insurance *. 1. Create a business plan Consider creating a ... you are not a restaurant, and you also are not a café or a takeaway food shop. Instead, the main risks to ...
read moreBusiness licencing in Australia: The definitive guide
... Illness Insurance to protect against unforeseen mishaps. Food and beverage When it comes to running a café , ... . How to apply for a business licence For your small business to function within the legal framework, you need ...
read more6 ways to leverage AI for business growth and innovation
... hold some of these same concerns. How to use AI in your small business Keen to put AI to use in your business? Here are ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions ...
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... 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 more6 things you didn’t know about small business insurance
... that suits your business. But there are a few things you may not know about small business insurance - which may help you choose your next policy or just get a little more out of your current policy. 1. Your personal ...
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... , 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 ...
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... to make along your journey as a small business owner , some which will involve a level of risk. One of the biggest risks your business may face is not having adequate business insurance in place, leaving it exposed in ...
read moreProfessional Indemnity Insurance And Public Liability Insurance
... Indemnity Fact Sheet Why choose BizCover for your Professional Indemnity insurance? Built for small business We know insurance and what makes small businesses tick. Clear and competitive pricing You can compare and ...
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... 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't count ...
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... 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 . ...
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... and your bottom line. Whilst you've got the insurance to help you out, you'd ultimately rather avoid ... victims of spills, falls, theft and power surges. One Small Business recently had to make a claim to replace their ...
read moreProfessional 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 moreTop 6 tips to build a small business in uncertain times
... making any cuts that could expose you to risk. You might be tempted to give up insurance, but small business insurance policies could save you from even worse situations if something goes wrong. 3. Find new customers ...
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... you need to worry about is shopping around to get your business insurance sorted. Experience drama-free business insurance with BizCover. We understand small businesses and understand how busy life gets, so we're here to ...
read morePublic 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 ...
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... to 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 ...
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... 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 ...
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... you meet the required criteria. 3. Business insurance Do you currently hold insurance for your small business? And if you do, is it the right type of insurance? Business insurance can be tricky to navigate for those not ...
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... ,000 per incident. Despite the worrying statistics, only 7% had taken out cyber insurance , according to BizCover's 2022 Small Business Bravery Report . For cybercriminals, these businesses are the proverbial low-hanging ...
read moreSteady as she goes - still no increases in Insurance Premiums!
... by 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 moreTradies urged to review insurance heading into 'tougher months'
... continuing into 2023. “The party is over, and many small businesses in the trades sector may struggle before things pick up again,” says small business insurance expert Jane Mason. “As business conditions change, it's ...
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... ? Whether you're opening up a new business or have been in business for a while and looking to buy insurance for the first time; there are a few questions you can ask yourself upfront to help save you time and money ...
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... insurers 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 ...
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... 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 ...
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read moreReviews related to Insurance For Small Cafe
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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
SUPER HAND CAR WASH & CAFE P
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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.
- 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.
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 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.
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 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
Mon-Fri 8.30am-7.00pm
Sat 9.00am-5.00pm
*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