Public Liability Insurance Restaurant Operation

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... 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 ...

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Public Liability Insurance In Brisbane

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Public 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 ...

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Public 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 ...

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Business Insurance

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Public 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 ...

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Public Liability Insurance WA

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What is Business Insurance?

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... 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 ...

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Insurance for Restaurants

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Insurance for Pizza Shops

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Innovative workspaces ideas for a startup

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5 Surprising Things Business Insurance Can Cover

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Public Liability Insurance for Cabinet Makers

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What does Public Liability Insurance cover?

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Public Liability Insurance Scenario

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How much does Public Liability Insurance Cost?

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Public Liability Insurance VIC PPC

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Public Liability Insurance Explained

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Public Liability Insurance QLD

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Public Liability Insurance In Rockhampton

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Public Liability Insurance In Port Macquarie

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Public Liability Insurance In Perth

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Public Liability Insurance In Mandurah

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Public Liability Insurance In Hobart

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Public Liability Insurance In Darwin

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Public Liability Insurance In Brisbane

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Public Liability Insurance In Adelaide

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Legal Requirement for Public Liability Insurance

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How much Public Liability insurance do I need?

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Public Liability

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Public 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 ...

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Cyber Liability Insurance

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Allied Health Combined Liability Insurance

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Insurance for Plasterers

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Information 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 ...

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What 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 ...

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Management 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 ...

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Business 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 ...

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... 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 ...

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Who 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 ...

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Reviews related to Public Liability Insurance Restaurant Operation

  • 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.