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From fire hazards to customer claims, operating a restaurant or café involves inherent risks. A comprehensive insurance policy tailored to your needs ensures that you’re prepared for the unexpected. Whether it’s protecting your team, securing your property, or managing food safety risks, Aussurity has you covered.
Every restaurant faces unique risks depending on its size, location, and operations. However, there are several common risks that most restaurants encounter
See common risks and covers
Fire, electrical malfunctions, or accidents can cause significant damage to your premises and equipment. Property Damage Insurance helps cover:
High foot traffic increases the risk of customer injuries. Public Liability Insurance is designed to protect your business from claims related to:
A temporary closure can result in lost income and customers. Business Interruption Insurance helps keep your business financially secure by covering:
Protect your business from claims related to food safety, including:
Your kitchen equipment is essential to your operations. This insurance covers:
Modern restaurants and cafes rely on technology for reservations, online orders, and payments. 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.
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No two restaurants are the same and with so many different products, getting appropriate insurance cover can be confusing! But don't worry, we're here to help! Just click the button below to get in touch with one of our trusted advisors.
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Restaurants and cafes face unique risks, from property damage caused by fires to customer injury claims and equipment breakdowns. Comprehensive insurance ensures your business is protected against financial loss, so you can focus on serving 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 kitchen equipment.
Yes, if you have Equipment Breakdown Insurance, it 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.,Burns or other injuries caused by hot food and drinks.
Yes, Cyber Risk Insurance protects your business from financial losses due to hacking, data breaches, or ransomware attacks. This is particularly important if you store customer information or process payments online.
Business Interruption Insurance can help cover lost revenue and additional expenses incurred during a temporary closure due to events like fire, flood, or natural disasters.
Product Liability Insurance protects your business from claims related to foodborne illnesses, contamination, or foreign objects found in food. It’s an essential safeguard for maintaining your reputation and covering legal costs.
Yes, even if you rent, you’re still responsible for protecting your equipment, stock, and business operations. Property Damage Insurance and Public Liability Insurance are crucial, and you should review your lease to understand any additional requirements.
The cost varies based on factors like the size of your restaurant, 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 work with you to tailor an insurance package that meets your needs.