Public Liability Insurance Restaurant Operation
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Insurance for Restaurants & Cafes
... just for Australian hospitality businesses. Compare quotes now and save! Public Liability Insurance cost for Restaurant & Cafes Why do Restaurants & Cafes need Insurance? Whether you're serving up the best chai lattes or ...
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 moreDo I Need Public Liability insurance?
... of business. You may want to consider Public Liability insurance if you run a business in one of the following areas: Tradie Retail Professiona l i.e., consultant Restaurant/cafe owner All businesses and sole traders can ...
read morePublic Liability Insurance in QLD
... in Ipswich or a restaurant owner in Noosa, Public Liability is there to help protect your business. What is covered by Public Liability insurance in Queensland? A Public Liability policy can provide essential cover ...
read morePublic Liability Insurance NSW
... 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 ...
read more4 reasons why restaurant insurance is important (and how to protect yours)
... operations. Without insurance ... insurance that many restaurant owners may consider to protect their business: Public Liability and Business Insurance. Public Liability insurance Public Liability insurance for restaurants ...
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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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... ? Does your business or trade licence require a minimum amount of public liability insurance ? What kind of accidents could occur due to your business operations and what could be the potential cost of a claim? * ...
read moreHow to start a restaurant: 8 step guide to success
... insurance for restaurants include Public Liability insurance ; Business Insurance ; Management Liability insurance ; Tax Audit insurance ; and Cyber Liability insurance . Keep in mind that depending on your operation ...
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... in the hospitality industry. Learn about hospitality insurance, also known as restaurant insurance or insurance for restaurants and cafes, to learn more about how hospitality insurance can help reduce the risks to your ...
read moreSto Lat Restaurant & Café wins the BizGiver grant
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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 ...
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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 ...
read moreHow to start a food business: 9-step checklist guide
... will set the tone for your restaurant and tells your customers what to ... Public Liability insurance , Management Liability insurance , Cyber Liability insurance , and Tax Audit insurance . Learn about hospitality insurance ...
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... . No need to cry over spilt milk! One of the best ways to safeguard your restaurant or café business is with Public Liability insurance . It is designed to protect your business from the financial risks which may arise ...
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
... like these. In this case, the restaurant was covered and the crime section of their policy covered them. Business Insurance cover options such as Management Liability and Cyber Liability are little known but have the ...
read more5 Things to Consider When Buying Public Liability Insurance
... of risk for a claim is different to that of the restaurant. It may be tempting to go with a lower premium ... coverage it needs. 3. Am I required to have Public Liability insurance cover ? Each S tate and T erritory ha s ...
read moreAm I Covered? Theft Insurance vs Building & Contents
... drawer. The owner notified the police and lodged a claim under their Business Insurance Pack, which included Theft cover. The restaurant owner provided their insurer with information to back up their claim. They sent ...
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 profitable small business ideas in Melbourne
... the city. Choose a strategic location to open your restaurant and choose a type of food that is most popular ... when an insured event occurs. Public Liability insurance : Business insurance that protects you from claims and ...
read moreBizGiver finds it’s latest winner in Wild Forage
... and costly at present.” The grant, started by BizCover Insurance in 2014, has given away over $40,000 in ... now? “ I'd like to be running my own restaurant creating unique food experiences based on my foraging knowledge and ...
read more16 profitable business ideas in Townsville in 2024 and beyond
... . Apart from serving mouth-watering dishes, a restaurant can also serve as a space for community ... business. Join over 220,000 small businesses who’ve found insurance solutions that fit their needs, no drama required. This ...
read moreSmall Business Movies to Inspire When in Self-isolation
... ) decides to throw in the apron at his job as a head chef of a famous LA restaurant. Receiving pressure from the restaurant owner to stick to the classic menu, Carl starts to feel frustrated, unable to create new dishes ...
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read moreLawpath: How to make your business socially responsible
... way to build environmentally responsible practices into your operations, you could also get some press or recognition ... might offer free haircuts to the homeless or a restaurant might donate food to a shelter. Treat your ...
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... industry. For example , the types of risks a restaurant owner faces will be different to a dog groomer. A ... each cover seeks to provide protection for. Public Liability insurance* is designed to provide protection for ...
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... , at home, in a retail shop, restaurant, etc.) Do members of the public visit you at your workplace? (Customers, ... separate policies. Business Insurance is one such product—combining Public Liability with coverages such as ...
read more5 common earthmoving business mistakes and how to overcome them
... . 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 ...
read moreHow to build customer loyalty (and why it is important)
... : Top 6 ways to increase customer loyalty at your restaurant 4. Connect with Customers Do you remember when one ... negative scenarios that may impact your operations. Purchasing insurance can ensure that your employees and ...
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... or treating them to dinner at a five-star restaurant. You also may consider creating a reliable affiliate program ... earthmoving insurance: Public Liability Business Insurance Building Insurance Contents Insurance Portable ...
read moreWhat hospitality businesses might consider when cutting costs
... to a recent press release by peak industry body Restaurant and Catering Australia ( R&CA ), which also ... were once protected against. If you cancel your Public Liability policy for example, and someone slips and injured ...
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... living their dream of running their own café or restaurant, they should be wary of the regulations that ... hospitality sector could be protected by Management Liability (ML) insurance . Know when you're responsible as ...
read more5 reasons to review your business insurance this Christmas
... your premises - for example if you are a cafe or restaurant there will be more people out enjoying the festive spirit, ... Now's the time to make sure you have Public Liability insurance , and if you do have it, ensuring you ...
read more5 Surprising Things Business Insurance Can Cover
... financial losses for your business. Consider a restaurant or cafe whose refrigerator has suddenly broken down ... clients you're an exceptionally prime target. Cyber Liability insurance is a 'must have' policy for all ...
read more5 tips for getting the best Public Liability insurance for your business
... 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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... include Public Liability insurance, Professional Indemnity insurance , and Business Insurance. Business Insurance ... Small businesses that have a fixed location such as restaurants, cafes, take-away shops such as fish and ...
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... reducing your risk via food business insurance - also referred to as insurance for restaurants and cafes , or hospitality and restaurant insurance. Learn more about how hospitality insurance can help reduce the risk to ...
read moreHow to start a food truck business in Australia
... starting a food truck business than a traditional restaurant , but it still requires significant capital. ... truck insurance and how business insurance products such as Public Liability insurance and Theft insurance can ...
read moreHow to start an online food business from home in 7 steps
... 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 ...
read moreBusiness licencing in Australia: The definitive guide
... 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 ...
read moreSmall Businesses Combating Coronavirus: Pinot & Picasso
... 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 moreWhat tradies need to know about Public Liability Insurance
... 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 ...
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 ...
read moreHow much does Public Liability Insurance Cost?
... 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 QLD
... 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 ...
read morePublic Liability Insurance In Rockhampton
... , small businesses in Rockhampton pay $35.40 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very ...
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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 morePublic Liability Insurance Explained
... of their operations. Chances are like many other small businesses, if you were faced with a public liability claim , ... care Do I really need Public Liability Insurance? Public Liability insurance is a fundamental type of ...
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 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 ...
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 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 moreProfessional Indemnity Insurance And Public Liability Insurance
... and dishonesty Accidental injury and property damage ( these kind of claims would typically be covered by Public Liability insurance ) How Much Cover Should I have ? With BizCover you can choose policies with levels of ...
read morePublic Liability
... 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 moreWhat’s 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 ...
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... on a mission to make you smile! Get Public Liability insurance under a minute Search for occupation and compare quotes ... your business operations and what could be the potential cost of a claim? Public Liability Fact Sheet ...
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... on a mission to make you smile! Get Public Liability insurance under a minute Search for occupation and compare quotes ... your business operations and what could be the potential cost of a claim? Public Liability Fact Sheet ...
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.
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