Café & Restaurant Insurance
All the right ingredients for faster, easier insurance and online service. Café & Restaurant Insurance. Done. Tick!
What cover can I purchase through insurance.com.au?
There are many business products available from insurance.com.au. As a Cafe or Restaurant owner, these types of insurance policies may be relevant to you.
Business Building and Contents
Covers accidental loss or damage to buildings, contents, and stock.
Extra benefits such as fire extinguishment costs, exploratory costs, and temporary protection/security guard costs. These may be highly relevant for safeguarding high-traffic businesses.
Unless specifically added, flood damage is not covered.
Theft, Money and Glass
Critical for cash-based or display-heavy establishments as this insurance covers theft or damage to a café or restaurant’s contents, money, and glass.
Extra benefits including coverage for recoding locks and replacing of keys are included.
Equipment Breakdown
Covers breakdown of key machinery like refrigerators and coffee machines, with optional coverage for deterioration of stock in cold storage.
Business Interruption
Covers loss of gross profit if the business is interrupted due to property damage, ensuring cash flow during recovery.
Business Liability
Covers legal liability for personal injury or property damage occurring on the premises, essential for managing customer incidents.
Things to consider if you are a cafe/restaurant owner that may improve your risk:
Do all deep fryers have an automatic suppression unit and exhaust extraction system?
Are deep fryers thermostatically controlled and fitted with an automatic over-temperature cut out device?
Are rangehoods and ducts cleaned professionally at least every six months? *
Are filters cleaned more than twice monthly?
Are there wet chemical and/or dry chemical B(E) fire extinguishers and fire blankets in place and serviced every 6 months?
Potential Scenario
A burst pipe floods your café overnight, damaging your stock and furniture. Your Business Building and Contents cover steps in to repair the damage and replace your stock so you can get back to business quickly.
Your coffee machine breaks down on a busy morning. Our Equipment Breakdown cover ensures the repairs or replacement costs are taken care of, minimising downtime.
A theft incident leaves your cash register and display windows damaged. With our Theft, Money, and Glass cover, you’re protected against losses and can recover without missing a beat.
A fire at a neighbouring business forces your restaurant to close temporarily. Our Business Interruption cover helps replace lost gross income, ensuring your bills are covered while you plan your reopening.
Want to talk about Café & Restaurant Insurance?
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What's your number?
Call us
1300 468 730
Call us during business hours
Mon - Fri 8.30am - 7.00pm (AEDT)
Why insurance.com.au?
We'd choose us, but why should you?
Quick and easy quote & purchase process
Policy benefits tailored to your occupation
Dedicated customer service team available
Popular FAQs
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insurance.com.au is made up of insurance gurus, tech innovators, and customer service professionals. We are driven to help individuals and businesses protect themselves financially against the unexpected.
insurance.com.au is a wholly owned subsidiary of Steadfast, the largest general insurance broker network in Australasia.
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