Save up to 10%*2,3

on your first year's premium when you buy a new Business Insurance Pack policy online.

What is Insurance for Restaurants and Cafés?

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

Coffee shops and restaurants face risks and hazards that are unique to the hospitality industry. From the breakdown of fridges and coffee machines, to customer and supplier injuries, it’s important to make sure you’re covered when things go wrong.

Understanding and finding the right insurance for your restaurant or café can be confusing, let us help. Read on to learn how Allianz insurance covers can help protect your business.

Get a quote online for Public Liability Insurance.

Fast, Simple and Convenient

Instant Certificate of Currency

Your proof of insurance, Certificate of Currency (COC), will be emailed instantly after purchase.

Pay by the Month at no extra charge*1

Pay monthly or annually at no extra charge to suit you and your cash flow.

Specialist Business Experts

Our experts can give general advice and help to arrange your business insurance. Call 1300 131 000 to talk to a business specialist.

Excellence in Claims

We're here when you need to make a claim.

24/7 claims service. Call 13 10 13.

Allianz was awarded the 2019 Mansfield Gold award for Overall Excellence in Claims.

Cafés and Restaurants Insurance Covers:

Public Liability Insurance

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

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.

Public Liability Insurance is automatically included in a Business Insurance Pack policy when you quote online. For help with your quote, or to get a Business Insurance Pack quote without Public Liability cover, please contact our specialist small business team on 1300 131 000.

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Machinery Breakdown

Allianz 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. Allianz Machinery Breakdown cover also includes the cost of hiring temporary machinery while your regular machinery is being repaired or replaced.

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

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Get your cover in one place with our Business Insurance Pack

Our packs start with Public Liability, then you can customise your policy to suit your business.

Public Liability

Public Liability Insurance helps to protect you if you become legally liable to pay compensation for injury to third parties, or damage to their property, during the course of your work. Plus, covers your reasonable legal costs to defend a claim raised against you.

Additional Covers

Commercial Property

Cover for accidental damage to your commercial property, contents or stock, as a result of insured events such as a storm, fire or vandalism.

Business Interruption

Covers your lost income, profit or turnover if your business has to close as a result of unforeseen and defined insured events, like fire or storm.

Available when you insure Commercial Property.


Covers the cost of repairing or replacing accidentally broken glass at your business premises, such as office windows, glass partitions, and skylights.

Electronic Equipment

Cover for the repair or replacement of electronic equipment in your office, such as servers, computers and hard drives, in case of breakdown.

Commercial Vehicle

Comprehensive Commercial Vehicle Insurance4 covers accidental damage or theft of your business vehicles, and damage they may cause to third party property.

General Property

Covers the cost of repairing or replacing tools of your trade or equipment in the event they are accidentally damaged at any location worldwide (unless otherwise noted).

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 please consider the relevant Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) & PDS update (privacy notice) which are available on this website

Workers Compensation

If your business has employees, Workers Compensation insurance is mandatory in all Australian States and Territories. Workers Compensation insurance can cover your employees if they are involved in a workplace accident. Allianz will work to support your business through the claims management process.

Please note that Workers Compensation insurance is not available under the Business Insurance Pack and will need to be purchased as an additional policy.

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Before you buy

Considerations for Cafés and Restaurants:

  • 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.
More cover options

We have an extended range of insurance covers available through our team of specialists. We're open 8:00am - 7:30pm Monday-Friday AEST

   1300 131 000

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