Restaurant and Cafe Insurance
A restaurant runs on three things that can all fail expensively: the food, the fit-out and the trade itself. A customer illness, a kitchen fire that shuts you for weeks, a fridge that spoils a night's stock — hospitality insurance has to cover the food, the premises and the income together. We place cover built for how a kitchen actually runs.
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 restaurants and cafes insurance covers
Public & products liability
For a customer injured on your premises and — critically — for illness traced to the food you serve. The cover a landlord and the trade require.
Fit-out, equipment & stock
Your fit-out, kitchen equipment and stock against fire, breakdown and spoilage, plus glass — the pieces that cost the most to replace.
Business interruption
The income you lose and the costs you carry when a fire, flood or breakdown closes the doors. Often the difference between a setback and closing for good.
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 restaurant or cafe need?
Does it cover food poisoning claims?
What about stock spoilage if the fridge fails?
Ready to get restaurants and 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).