Cafe Insurance
A café packs a lot of risk into a small space — hot equipment, wet floors, expensive coffee gear and a steady stream of customers. The everyday claim is a slip or a customer illness; the one that hurts is a fire or breakdown that closes you for weeks. We cover the fit-out, the equipment and the income together.
Quick Quote
60 secondsYour quote for
A business
The trade or industry — it points us to the right insurers.
The company, trust or individual name the policy goes in.
No obligation. Subject to eligibility and underwriting.
What cafes insurance covers
Public & products liability
For a customer who slips or is made ill by what you serve — the café's everyday exposure, at the limit your lease requires.
Fit-out & coffee equipment
Your fit-out and machines — the espresso setup, grinders, fridges — against fire, theft, damage and breakdown. The gear a café can't trade without.
Stock spoilage & interruption
Spoiled stock when refrigeration fails, and the income lost if a closure stops you trading.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.
Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).
What insurance does a cafe need?
Is my coffee machine and equipment covered?
Does cafe insurance cover a customer getting sick?
Ready to get cafes covered?
Tell us what you drive in about 60 seconds and we come back to you with options.
Stonewell Insurance Pty Ltd (ABN 23 645 965 699) is a Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).