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Operating a cafe comes with its own set of risks, from fire hazards to customer injuries. A comprehensive insurance policy ensures you're protected against financial loss, helping you focus on serving your customers. Whether you need coverage for your team, premises, or food safety risks, Aussurity has you covered.
Every cafe faces unique risks depending on its size, location, and operations. However, there are several common risks that most cafes encounter.
See common risks and covers
Fire, accidents, or electrical issues can impact your cafe’s premises and equipment. Property Damage Insurance helps cover:
Frequent customer visits increase the risk of injuries. Public Liability Insurance is designed to protect your cafe from claims related to:
Temporary closures can result in lost revenue. Business Interruption Insurance helps keep your cafe financially secure by covering:
Safeguard your business from claims related to food safety, including:
Cafe equipment is vital for operations. This insurance covers:
Technology plays a significant role in cafes, from online orders to payment processing. Cyber Risk Insurance protects against:
Having an extensive network of partners means that we can offer quality products with highly competitive pricing from some of Australia’s leading insurance companies.
Your account manager is your personal insurance expert, able to answer questions and provide tailored advice. Having a single point of contact means you'll receive consistent and high quality service.
A loss or claim being made against you can be a stressful experience. That's why we help guide our clients through every step of the Insurance claims process, relieving as much stress as we can along the way.
Ask your trusted advisor!
No two cafes are the same, and with so many different insurance products available, finding the right cover can be challenging. Let Aussurity simplify the process. Click the button below to connect with one of our trusted advisors.
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Cafes face unique risks, from property damage to customer injury claims. Comprehensive insurance ensures your business is protected against financial loss, allowing you to focus on your customers.
Property Damage Insurance: Protects your premises, equipment, and stock.,Public Liability Insurance: Covers claims from customer injuries or accidents on your premises.,Business Interruption Insurance: Safeguards your income during closures or repairs.,Product Liability Insurance: Protects against claims related to food safety and contamination.,Equipment Breakdown Insurance: Covers repairs and replacement of essential cafe equipment.
Yes, Equipment Breakdown Insurance typically includes coverage for perishable stock lost due to refrigeration or other machinery failure.
Slips, trips, and falls on your premises.,Injuries caused by defective furniture or equipment.,Hot beverage-related incidents.
Yes, Cyber Risk Insurance protects your business from financial losses due to hacking, data breaches, or ransomware attacks.
The cost varies based on factors like the size of your cafe, the type of coverage you need, and your claims history. At Aussurity, we work with you to find a policy that fits your budget and coverage requirements.
Getting a quote is easy! Contact Aussurity today through our website or give us a call. Our team will tailor an insurance package to meet your needs.