Insurance for cafés and restaurants

Choose a range of covers4 to protect your business
Business Insurance for coffee shops, catering companies, restaurants, takeaways and more
Give us a call to get covered, or get a quote online for Public Liability Insurance.

It takes planning, passion, and dedication to run your own business, and build a steady stream of loyal customers. With all the investment you’ve put in, it’s important to protect your hard work and assets with insurance.

Coffee shops and restaurants face many risks and hazards, from the breakdown of fridges and coffee machines, to customer and supplier injuries while at your shop. Consider covering your business and its assets with our Business Insurance Pack.

Save up to 10%2,3 
on your first year's premium when you buy a new Business Insurance Pack policy online.

From small cafés to bustling restaurants, our Business Insurance Pack offers a range of covers4 in one simple-to-manage, flexible policy designed to protect businesses. Here’s a small selection of what café and restaurant owners might consider.

Start with Public Liability, then you can choose additional covers to suit your business.

Have you ever seen a waiter spill coffee on a customer’s laptop? Or a supplier trip on a plastic mat when delivering goods? Accidents like this can happen and they may also lead to expensive legal claims.

Our Public Liability Insurance, also known as Public and Products Liability Insurance covers you if a member of the public is injured, or their property is damaged, at your business premises or because of using your products or services. It covers compensation you’re legally liable to pay plus your reasonable legal fees.

Public Liability Insurance is automatically included with every Business Insurance Pack when quoted online. For a quote without Public Liability cover, contact our specialist Business team on 1300 131 000.

As a hospitality business, you rely on expensive equipment such as ovens, coffee machines and cooktops. If this machinery stops working, repairs can be costly. 

Our Machinery Breakdown Insurance covers repair or replacement of your machinery in the event of breakdown. An optional cover is available at an additional cost for deterioration of stock in this event. Our Machinery Breakdown Insurance also includes the cost of hiring temporary machinery while your regular machinery is being repaired or replaced.

If your café or restaurant features glass windows, doors, display cases or shelves, there’s always the risk of accidental breakage. Our Glass Insurance is designed to cover the cost of replacing and fixing unexpectedly broken glass.

This can include the repair or replacement of signwriting and fittings surrounding your windows, as well as damage to illuminated/advertising signs or stock damage caused by the broken glass.

If the security of your business premises is affected due to glass breakage, our Glass Insurance can also cover the cost of employing security guards to protect your business, and carrying out temporary repairs if necessary.

If you rent the premises for your coffee shop or restaurant, your lease may specify the minimum amount of public liability cover you’re required to have – check before you buy.

Your lease or landlord may also specify a minimum amount of glass cover.

Get a quote online for Public Liability Insurance.
For more cover options, call  1300 131 000 to speak with a consultant.
This is a limited summary of some of our Business Insurance Pack covers only. Terms, conditions, limits and exclusions apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) & PDS update (privacy notice) which are available on this website.

If your business has employees, workers compensation insurance is mandatory in all Australian states and territories. Our Workers Compensation Insurance can cover your employees if they’re involved in a workplace accident. We’ll work to support your business through the claims management process.

Note: Workers Compensation Insurance isn’t available under the Business Insurance Pack and will need to be bought as an additional policy.

Your proof of insurance, Certificate of Currency (COC), will be emailed instantly after purchase
You can pay monthly or annually at no extra charge to suit you and your cash flow
Our experts can help you arrange your Business Insurance. Call 1300 131 000 to speak to a Business specialist now
Make a claim online 24/7 or find a number for your claims category to lodge a claim over the phone
Give us a call to get covered, or get a quote online for Public Liability Insurance.
  1. Pay by the month (Payment instalments)
    Premiums payable by instalments may be subject to minor adjustments (upwards and downwards) due to rounding and financial institution transaction fees may apply.
  2. Online discount terms and conditions
    A premium discount of up to 10% is applied to your first year's premium when you buy a new Business Insurance Pack policy online.

    Please note that the online discount doesn’t apply to Commercial Vehicle cover, Goods In Transit cover or the following Management Liability covers: Directors and Officers Insurance, Employment Practices Liability, or Crime Insurance (which are only available from our contact centre).

    This discount isn’t applied at renewal.
  3. Minimum premiums may apply
    Any discount and/or entitlements may be subject to rounding and only apply to the extent that any minimum premium isn’t reached.

    If you’re eligible for more than one discount, we apply them in a predetermined order. This means the effect of applying any subsequent discount will be applied to the reduced premium amount after applying any prior discounts. For example, the aggregate effect of applying two discounts consecutively means that you won’t see the full benefit of both these discounts.

    Discounts don’t apply to taxes or government charges. No discounts are applied to Commercial Vehicle cover.
  4. Range of covers
    Acceptance criteria apply to each cover based on the characteristics of your business and the risks you’re looking to insure.

Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered on this website.

Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered on this website.