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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 and capital 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.



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Instant Insurance Certificate

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

Pay by the Month - no extra charge*1

Enjoy paying monthly and at no extra cost.

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.

Claims - we have your back

When misfortune strikes, Allianz is there for you. Lodge a claim by phone 24/7.

Cafés and Restaurants Insurance Covers:

Public Liability Insurance

Public Liability Insurance, also known as Public and Products Liability Insurance, helps to protect you if you become liable to pay compensation for injury to third parties, or damage to their property, during the course of your work.

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

Public Liability insurance is designed to cover claims that may arise as a result of incidents such as this for which you may be held liable. Cover may also be provided for reasonable legal costs you incur in defending a claim against you.

Public Liability is a compulsory cover that must be included in a Small Business Advantage Pack policy.

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Machinery Breakdown

Machinery Breakdown insurance covers repair or replacement of your machinery in case it breaks down. An optional cover is available for deterioration of stock in this event. 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, the cost of repair can be very expensive.

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Get your cover in one place with our Small Business Advantage Pack

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

Public Liability

In the event of a claim, this cover can 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.

Additional Cover Options

Commercial Motor

Commercial Motor Insurance can protect your vehicle in the event of accidental damage or theft, and cover your legal liability for damage third party caused by your vehicle.

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.

Material Damage

Cover for accidental damage to property insured, such as office furniture and reference materials, from unexpected events like a storm, fire or vandalism.

General Property

Covers accidental damage to property insured used by you or your employees.

Business Interruption

Covers your lost income, profits or turnover if your office has to close as a result of unforeseen defined events, like fire or storm.

Glass

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

Management Liability

Covers you or your directors, officers or employees in the event of claims being made by third parties for alleged wrongful acts. 4 separate types of cover to choose from:

  • Directors and Officers Liability
  • Employment Practices Liability
  • Crime
  • Tax Audit

This is a limited summary of some of our Small Business Advantage 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 may be mandatory depending on the state/s you operate in. 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 Small Business Advantage 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

Can’t find the cover that you need online? 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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