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 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 Brisbane
... . If you own a restaurant, a cafe, a cofee shop or takeaway shop or a bakery, you may often require Public Liability insurance to cover fit your needs. Get public liability insurance to cover against theft, equipment ...
read morePublic Liability Insurance QLD
... in Port Douglas, a brickie in Ipswich or a restaurant owner in Noosa, Public Liability is there to help protect your business. Public Liability insurance is designed to provide protection for you and your business ...
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 Big 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 ...
read moreBusiness Insurance
... , the types of risks a restaurant owner faces will be different to ... insurance for home based businesses Public Liability* One of the basic insurances to consider is Public Liability insurance. Public Liability insurance ...
read morePublic Liability Insurance NSW
... 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 WA
... ? 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 moreWhat is Business Insurance?
... operation. Simply select which cover options which are important to your business. The options include: Public Liability Insurance ... iPads Property owners Example occupations: Restaurants, Shops, Accountants, Repairers, ...
read moreSto Lat Restaurant & Café wins the BizGiver grant
... a call out of the blue from the food editor at The Daily Telegraph to do an article on the restaurant's own invention - Pierogi Sunday; to Channel 7 contacting them wanting to do a segment on Sunrise, focusing on the ...
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 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 moreInsurance for Restaurants
... unde omnis iste natus error sit voluptatem. Public Liability Business Insurance Personal Accident & Illness Insurance Tax Audit Insurance for Restaurants Public Liability Insurance* There are many possible accidents that ...
read moreKeep cool and carry on – A summer survival guide for restaurants and cafés
... 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 from ...
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 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 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 ...
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 moreInnovative workspaces ideas for a startup
... for example, is a coworking space by day and a restaurant, bar, or venue at night. Tashi Dorjee, a ... it comes to insurance coverage in coworking spaces, most owners have business and liability insurance policies as needed ...
read moreHow to adapt your business insurance as your business grows
... business journey. For example, if you started out as a restaurant or café , you may now be branching out into catering ... a breakdown. Management Liability insurance* Management liability insurance * protects directors and ...
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 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 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 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 ...
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 moreWhat Tradies Need to Know About Public Liability Insurance
... on the wrong timber and broke the plaster. The pl a sterer ‘ s insurer settled the claim paying just under $1 , 000 for the damage. Getting cover Sorting out your Public Liability insurance shouldn ‘ t be a hassle and at ...
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 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 ...
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 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 ...
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 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 ...
read morePublic Liability Insurance In Port Macquarie
... in Port Macquarie pay $26.30 **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 important ...
read morePublic Liability Insurance In Perth
... operations. Chances are, like many other small businesses in Perth, if you were faced with a public liability ... a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance ...
read morePublic Liability Insurance In Mandurah
... operations. Chances are, like many other small businesses in Mandurah, 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 In Hobart
... operations. Chances are, like many other small businesses in Hobart, if you were faced with a public liability ... a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance ...
read morePublic Liability Insurance In Darwin
... operations. Chances are, like many other small businesses in Darwin, if you were faced with a public liability ... a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance ...
read morePublic Liability Insurance In Brisbane
... operations. Chances are, like many other small businesses in Brisbane, 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 In Adelaide
... 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 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 moreHow much Public Liability insurance do I need?
... 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 moreThe difference between Public Liability and Professional Indemnity insurance
... 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 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 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 moreCyber Liability Insurance
... Could this happen to you? What is Cyber Liability Insurance Cyber Liability insurance* is designed to help protect you from claims ... the data breach. The cost of hiring a Public Relations firm to assist the insured with re ...
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 moreInsurance for Plasterers
... in the policy wording. Insurance for Plasterers Public Liability Insurance* Protecting your business with Public Liability insurance is a concrete decision. Public Liability insurance is designed to provide protection ...
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 moreWhat is Product Liability Insurance?
... parties relating to property damage or personal injury caused by your products. Product Liability insurance usually forms part of a Public Liability policy and the word 'product' will be a defined term in the policy ...
read more5 Reasons to consider Cyber Liability insurance for your company
... to business as soon as possible. 5. Your current insurance policies may not cover against cyber attack You may have Management Liability or Public Liability insurance policies, but that doesn’t guarantee that you are ...
read moreCyber Liability Insurance: the safety net small businesses need
... some time for the reality to hit, but the wider public is now starting to realise that hackers aren't just ... legal costs that are associated with breaches. Cyber Liability insurance won't prevent an attack, but it ...
read moreManagement Liability Insurance
... : What's included & what's not? Get the right cover Could this happen to you? What is Management Liability Insurance?* Everyone loves a surprise, except when you are a company director. If you own or are involved in the ...
read moreDon’t let your business be an online target – what you need to know about Cyber Liability Insurance
... laptop or a USB in a taxi is an example of how easily a breach can happen. Cyber Liability insurance can provide financial protection by covering: Forensic investigation costs to find the issue Data r ecovery costs Ex ...
read moreBusiness Insurance Guide for the Self-Employed – Part 1
... that could be very costly. Public Liability insurance protects your busines s, even if it is a home-based operation. Market stall-holders – A minimum level of Public Liability insurance is often required when having a ...
read moreBusiness Insurance FAQs
... for Tradesmen? How much does public liability insurance cost for Restaurants and Cafes? Buying Public liability insurance in NSW Buying Public liability insurance in QLD Buying Public liability insurance in WA What is ...
read more7 Facts about Professional Indemnity insurance
... hassle. We provide a range of competitive insurance options including Professional Indemnity, Public Liability insurance, Business Insurance, Cyber Liability, Management Liability insurance and many more. Jump online or ...
read more7 Types of Insurance Your Small Business Should Consider
... . It's wise to consider insuring your assets, your revenue, and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even home-based businesses. It covers you and your ...
read moreWho needs Professional Indemnity insurance?
... hassle. We provide a range of competitive insurance options including Professional Indemnity, Public Liability insurance, Business Insurance, Cyber Liability, Management Liability insurance and many more. Jump online or ...
read moreA Sole traders and freelancers guide to business insurance
... bits! Let's start with one of the fundamental types of business insurances, Public Liability. What is Public Liability Insurance*? Public Liability insurance provides protection* for you and your business in the event a ...
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 -
Very affordable insurance for public liability. I now use Bizcover for both my fast food business and my contractual training work.
Katrina S
Fast Food Retailing -
seems easy enough to obtain our public liability. Hopefully we are fully covered now.
Natalie R
Commercial Cleaning Services -
So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!
Shirley M McIntosh
Trades & Services -
Great Price on my Liability insurance
James M
Trades & Services -
So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!
Shirley M
Food wholesaling nec
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 160,000 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
A way to try and figure out what type of business insurances your food business may need is by understanding the types of risks that your business is exposed to.
Public Liability insurance is typically one of the main types of business insurances restaurants and cafes may need to consider. There are also other types of business insurances like Contents, Building, Tax Audit and Cyber Liability that are there to help protect the things that help keep your business running every day.
Product Liability insurance is often included in your Public Liability insurance policy, but it is always worth double checking with your insurer to make sure you are covered.
Product Liability insurance protects your business against claims by third parties relating to property
damage or personal injury caused by your products.
If you are part of your food business then you may want to consider ensuring you have cover for Product Liability with your Public Liability 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.