Public Liability Insurance Restaurant Operation
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Insurance for Restaurants & Cafes
... : 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 ...
read moreInsurance for Bakers
... out glass cover. Insurance for bakers Public Liability Accidents can easily occur in a bakery which makes Public Liability an important type of insurance to consider. Public Liability insurance is designed to provide ...
read morePublic Liability Insurance In Brisbane
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read moreDo I Need Public Liability insurance?
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read morePublic Liability Insurance in QLD
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... kind of accidents could occur due to your business operations and what could be the potential cost of a claim? Frequently Asked Questions Public Liability insurance is a crucial form of cover that protects all different ...
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... require a minimum amount of public liability cover? What kind of accidents could occur due to your business operations and what could be the potential cost of a claim? * As with any insurance, cover will be subject to ...
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... essentials that keep your restaurant running. Three types of business insurance that restaurant owners may consider include: Business insurance; Public Liability insurance ; and Management Liability insurance . Find out ...
read moreHow much does Public Liability Insurance Cost for Restaurants & Cafe?
... NSW BizCover customers Does the size of my business affect the premium? When asking how much Public Liability insurance costs for a restaurant or café, you'll need to factor in the number of people you employ, with more ...
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... , which is why many cafe business owners reduce their risk with hospitality and restaurant insurance, also referred to as insurance for restaurants and cafes . From food poisoning to losing power and having to dispose of ...
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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 moreDishing up the facts on food business insurance
... premises or held within your personal care. Did you know? On average, restaurant and café owners pay approximately $75 per month for their Public Liability insurance policy. That's a wrap! No need to get into a jam when ...
read moreBusiness Horror Stories
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read more5 Things to Consider When Buying Public Liability Insurance
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read moreInsurance for Pizza Shops
... : The average level of cover our customers take for their restaurant business is 10 million dollars * . Insurance for Pizza Shops Public Liability Insurance* A pizza shop is an environment where accidents can easily ...
read more11 highly profitable small business ideas in Melbourne
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read moreBizGiver finds it’s latest winner in Wild Forage
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read more16 profitable business ideas in Townsville in 2023 and beyond
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read moreSmall Business Movies to Inspire When in Self-isolation
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... . This document effectively acts like a menu in a restaurant; it details all the things that you can provide ... should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...
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read more5 reasons to review your business insurance this Christmas
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... sounds, accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket ... a much higher risk than others. For example, a restaurant with customers dining on the premises (ah, did ...
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... for your online food business from home include Public Liability insurance , Business Insurance , and Cyber Liability insurance . When you choose BizCover for your business insurance you will have the power to compare ...
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... licence. You can pair it with a Public Liability Insurance for a more robust safety net. Hotels ... Furthermore, consider fortifying your online operations with BizCover's Cyber Liability Insurance . In a world where cyber ...
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... some unique and creative ways to keep your business running during these trying times? Whether you're a restaurant owner braving the world of home delivery for the first time, a personal trainer motivating their clients ...
read moreWhat's in it for S(Me)?: Customer loyalty marketing for small businesses
... implement within any size business. Create a Loyalty Card (virtual or physical) If you run a retail business, restaurant, or coffee shop, handing out a punch card is a simple and cost-effective solution. Each time a ...
read morePublic Liability Insurance for Cabinet Makers
... under a contract or as a condition of entry to a worksite. If so, make sure you have your Public Liability insurance policy sorted before you pick up the tools and that you have the right level of cover required. What ...
read moreDoes Public Liability insurance cover employees?
... to have if your business involves interacting with people. What is not covered by Public Liability insurance? PL does not cover certain events. If your business is responsible for a claim that does not include injury ...
read morePublic Liability Insurance Scenario
... story might have been avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you and your business from being found liable to a third party for loss ...
read moreHow much does Public Liability Insurance cost for Tradesmen?
... * cost For Tradesmen? There aren't many tradies who like paying for Public Liability (PL) insurance , but deep down you know it's the smart thing to do. It protects you financially if you hurt another person or damage ...
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... break down the ins and outs of Public Liability insurance and what you need to know, without the boring bits. So what is Public Liability insurance? In a nutshell, Public Liability insurance * is there to protect you and ...
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... owners can expect to pay around $63.53 per month^ for Public Liability insurance . Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is important for almost every kind ...
read morePublic Liability Insurance VIC PPC
... What kind of accidents could occur due to your business operations and what could be the potential cost of a claim? Frequently Asked Questions on Public Liability Insurance Small business owners on average in the 2018/19 ...
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... require a minimum amount of public liability cover? What kind of accidents could occur due to your business operations and what could be the potential cost of a claim? *As with any insurance, cover will be subject to ...
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... operations. Chances are, like many other small businesses in Adelaide, if you were faced with a public liability ... Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance ...
read moreWhat does Public Liability Insurance cover?
... means you could well end up paying for the claim straight from your back pocket . Bear in mind that Public Liability insurance is designed for all types of businesses, not just those who work in an office or have a fixed ...
read moreA sole traders guide to understanding Public Liability Insurance
... the key things you need to know about Public Liability insurance and how it can protect your sole trader business. What is Public Liability Insurance? Public Liability insurance is designed to provide protection for you ...
read moreHow much Public Liability insurance do I need?
... up to you. Many business contracts will include a minimum amount of Public Liability insurance to be in place -stipulating the amount of Public Liability insurance you are required to have to comply with the terms of the ...
read moreTop 5 reasons for having Professional Indemnity and Public Liability insurance
... are the top 5 reasons NHAA members should hold and maintain Professional Indemnity and Public Liability insurance . 1. Protection against claims of negligence, malpractice and professional misconduct Your service comes ...
read moreLegal Requirement for Public Liability Insurance
... against your business and as such is advisable to have public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance is not a statutory requirement, most small to medium ...
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... occur due to your business operations and what could be the potential cost of a claim? Why choose BizCover for your Public Liability insurance? Built for small business We know insurance and what makes small businesses ...
read morePublic Liability vs. Professional Indemnity insurance: What’s the difference?
... two different forms of cover and how they can protect your business. What is Public Liability insurance*? Public Liability Insurance is designed to provide protection for you and your business in the event a customer ...
read moreUnderstanding the difference between Public and Product Liability insurance
... when it comes to protecting your small business with Public and Product Liability insurance. What is Public Liability insurance*? Public Liability insurance is designed to provide protection for you and your business ...
read morePublic Liability PPC
... you can protect your business against claims that are made for personal injury or property damage. Public Liability Insurance does just that. It covers the expense of legal and defence costs; court attendance costs; and ...
read moreHow much does Combined Liability Insurance Cost for Allied Health Professionals?
... of claims? Most Professional Indemnity polices for allied health professionals come as package combined with Public Liability (PL) insurance to provide a greater level of protection. So, to give you a clearer indication ...
read moreInformation Technology Liability Insurance
... independent contractors to hold and maintain their own Professional Indemnity insurance policies. Public and Products Liability insurance Public Liability insurance is designed to provide protection for you and your IT ...
read moreAllied Health Combined Liability Insurance
... out and about, when you're interacting with clients, Public Liability insurance is an important consideration for allied health professionals. Public Liability insurance is designed to provide protection for you and your ...
read moreCyber Liability Insurance
... happen to you? What is Cyber Liability Insurance? Cyber Liability insurance* is designed to help protect you ... Could you sustain a complete interruption to your business operations due to a cyber attack? Is it possible ...
read moreReviews related to Public Liability Insurance Restaurant Operation
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Great to have affordable insurance!
Pathmawathy V
Internet Cafe - Mainly Internet Service Operation -
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 -
love the online experience.cheers
Bill T
Bistro 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 -
Super easy!!
De L
Bistro Operation -
very easy!! thank you
Ben G
Cafe Operation - Unlicensed -
Easy!
Joel C
Restaurant Including Wok Cooking -
Exellent!!
Young min W
Restaurant Operation -
Great service
Inaya J
Restaurant Operation -
It was great to have a customer service person call me back after i'd completed the online form to go through everything with me. Shaneika was very helpful.
Kathryn C
Restaurant Operation -
simple and easy
Jom G
Restaurant Operation -
So Simple, Thank you.
Michael C
Restaurant Including Wok Cooking -
THANK YOU
Meena A
Restaurant Operation -
Very easy
Fiaapia Wendy T
Restaurant Operation -
Very easy extremely helpful thank you
Clinton B
Restaurant Operation -
Very user friendly
Anthony R
Restaurant Operation -
Easy very fast and efficient, 1st timer on public liability insurance
Les K
Door Or Window Wholesaling -
I have never purchased public liability insurance so I had no idea about anything. I rang Biz cover and spoke to Patrick who was super helpful and explained everything to me in a simple way that was easy to understand, I believe that I have also received
Simona F
Kitchen / Bedroom / Bathroom Furniture Manufacture & Installation -
very easy to get my public liability insurance done within minutes!! Thanks.
Troy M
Landscape Construction
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?
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
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