Insurance for cafes and restaurants
From small country cafes to cosmopolitan restaurants and fine dining, we arrange hospitality insurance for food and beverage businesses Australia-wide.
From the kitchen to the dining table, the risks of running a food business are unique. We work closely with you to identify them and source suitable cover at a competitive price.
Cover for a busy kitchen and a full dining room
Restaurants and cafes create jobs, buy from local suppliers and give locals and visitors a place to meet. That kind of responsibility should be backed by a comprehensive insurance program.
In the commotion of a busy kitchen and restaurant, the potential for something to go wrong is real, from kitchen fires to food poisoning and everything in between. When the unexpected happens, you need insurance that addresses your specialised needs and protects the business, your staff and your customers.
Restaurants, cafes and fine dining venues are often grouped together, but each has different risks and needs. We work with you and your insurers to find a solution that fits, using our buying power to negotiate on your behalf.
Restaurant and cafe covers we arrange
Depending on your venue, your program may include:
Public liability
Injury to customers or visitors, or damage to their property, at your venue or caused by your business.
Products liability
Claims for illness or injury caused by food and drink you serve or sell.
Property
Building, contents, fit-out, plant, machinery and stock.
Business interruption
Lost income after insured damage, including tailored wordings based on gross revenue.
Spoilage of stock
Food in fridges and freezers spoiled by breakdown or power failure, subject to the policy terms.
Machinery breakdown
Repairs to coffee machines, ovens, cool rooms and kitchen equipment after a sudden breakdown.
Burglary and theft
Stock, equipment and contents stolen after a break-in.
Money and glass
Takings on site, in transit or in a safe, and shopfront glass, mirrors and display cases.
Fidelity
Theft of money or stock by staff.
Electronic equipment
POS systems, computers and other electronic equipment.
Management liability
Claims against the business and its owners, such as employment disputes and statutory fines.
Who it is for
- Cafes
- Restaurants
- Fine dining
- Bistros and bars
- Takeaway and quick service
- Bakeries and patisseries
- Coffee shops
- Caterers
Every venue is different, so tell us about your trading hours, cooking methods, licensing and seating, and we will tailor the program.
How we work with you
Independent broking, Australia-wide, with one point of contact.
- We learn how your business runs: what you do, turnover, staff, premises and contracts.
- We compare cover across a range of insurers and explain the key inclusions, exclusions and limits in plain English.
- We help with certificates of currency for landlords, leases and contracts.
- We support you at renewal, when your business changes, and through the claims process.
Frequently asked questions
Is food spoilage covered if the power goes out?
Many hospitality policies offer spoilage cover for stock in fridges and freezers after breakdown or a power outage, often with limits and waiting periods. We check what yours includes.
Are customers covered if they get sick from our food?
Products liability, usually included with public liability, can cover claims for illness or injury caused by food you serve, subject to policy terms.
Do I need extra cover for outdoor dining?
Footpath and outdoor seating areas are often covered under your public liability, but councils usually require a certificate of currency with a minimum limit, so we check this when your permit is renewed.
Is my commercial kitchen equipment covered if it breaks down?
Not under standard contents cover. Machinery breakdown cover can pay for repairs to coffee machines, fridges and ovens after a sudden breakdown.
Does my policy cover a fire caused in our kitchen?
Fire is a standard insured event in most business packs, but insurers may require kitchen exhaust cleaning and fire suppression to be maintained. Keep records of servicing.
Can you cover a food truck or catering business?
Yes. Food trucks and caterers can be covered for the vehicle, equipment, stock and liability at events, subject to insurer acceptance.
Talk to us about your cover
We will review your venue, equipment and current cover and talk through your options. Call us, email us or request a callback. We service businesses Australia-wide.
Get in touch
- Phone
- (03) 9078 6473
- info@mminsure.com.au
- Hours
- 9:00am to 5:30pm, Monday to Friday
Find out more
Every business is different - which means you need an insurance solution that is tailored for you. For more information, contact us today.
Contact us