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Restaurant Insurance for Cafés, Restaurants & Hospitality Businesses

One incident could shut your doors. Let’s make sure your insurance won’t.

Restaurant insurance helps protect Australian cafés, restaurants and hospitality venues from risks like public liability claims, property damage, theft and business interruption. But going directly to an insurer often means no one reviews whether your policy truly matches how your business operates.

PROTECT MY RESTAURANT PROPERLY
  • Australian-owned insurance brokers since 1984
  • Trusted by 5,000 Australian businesses
  • Hospitality insurance specialists
  • Local claims support when things go wrong

Why Restaurants Need Insurance in Australia

Running a restaurant comes with unique risks that can quickly become expensive without the right protection in place. From customer injuries and food contamination claims to kitchen fires, equipment breakdowns and cyber attacks, restaurant insurance helps hospitality businesses manage the unexpected while protecting their staff, customers and income.

Restaurants, cafés, bars, takeaway shops and commercial kitchens across Australia often require tailored insurance cover based on their operations, staff, equipment, alcohol service and delivery exposure.

Types of Restaurant Insurance Cover

Not every hospitality venue faces the same risks. We help restaurants, cafés and hospitality businesses across Australia compare insurance options tailored to their operations, equipment and liability exposures.

Public Liability Insurance

May help cover claims if a customer is injured or their property is damaged on your premises.

Business Interruption

May help cover lost income if your business must close due to an insured event like fire or storm.

Commercial Property Insurance

Could cover your building, fit-out, equipment, and stock if damaged or destroyed by an insured event.

Product Liablity Insurance

May help protect your business if food or drink causes illness, injury, or property damage.

Cyber Insurance

May help cover cyber attacks, data breaches and EFTPOS outages that disrupt your restaurant.

machinery breakdown cover manufacturing insurance

Tool & Equipment Cover

Could cover essential items like kitchen gear, POS systems, and fridges if lost, stolen or damaged.

Common Risks Restaurants Face

Restaurants across Australia face risks including public liability claims, food contamination, equipment failure, theft, cyber attacks and business interruption. Understanding these exposures can help hospitality businesses choose insurance cover that better matches their operations and day-to-day risks.

Slip & Fall Claims

Wet floors, spills and crowded dining areas can lead to customer injuries and costly liability claims.

Kitchen Fires

Commercial kitchens face higher risks of fire, smoke damage and equipment loss.

Food Contamination

Food poisoning claims can lead to legal costs, reputational damage and lost income.

Equipment Failure

Breakdowns involving refrigeration, cooking equipment, or POS systems can disrupt service and affect revenue.

Stock Loss

Power outages and refrigeration failures can spoil food stock and disrupt operations.

Cyber Attacks

Restaurants increasingly rely on digital ordering and EFTPOS systems that can be targeted by cyber threats.

How Much Does Restaurant Insurance Cost?

Restaurant insurance costs in Australia vary depending on factors like your venue size, annual turnover, number of staff, alcohol service, equipment value and claims history.

A small café may need a different cover than a licensed restaurant, takeaway business, or multi-location hospitality venue. Working with an insurance broker can help ensure your policy matches your business’s specific risks without paying for unnecessary cover.

Restaurants Frequently Asked Questions

Most restaurants consider cover such as public liability insurance, business interruption insurance, commercial property insurance and product liability insurance depending on their operations and risks.

Some forms of insurance may be required depending on your business structure, employees, lease agreements or licensing obligations.

Product liability insurance may help protect restaurants if food or beverages supplied by the business cause illness or injury.

Some policies may include cover for commercial kitchen equipment, refrigeration systems and machinery breakdown.

Factors may include your business size, turnover, location, alcohol sales, staffing levels, equipment value and claims history.

Yes. Cafés, takeaway businesses and hospitality venues can all face risks including customer injuries, theft, fire and business interruption.

Why Hospitality Businesses Choose EWIB

Our Brisbane-based brokers don’t disappear after the paperwork is signed.
We stick with you through claims, questions, audits, and anything in between.

Claims Management

Claims don’t need to be a fight. We help you manage the process clearly and calmly, aiming for a fair outcome and a faster return to business.

Contract Review

Unexpected clauses can lead to nasty surprises. We review your contracts and flag risks before they turn into claim denials or coverage gaps.

Cover Check-Up

Outdated policies can leave you exposed. We review your current cover and help close any gaps before they become costly.

Premium funding

Tight cash flow? We can help you set up pay-by-instalment options so you stay covered without the pressure.

YOUR TRUSTED RESTAURANT INSURANCE BROKERS IN AUSTRALIA

Local Brisbane Brokers Supporting Restaurants Australia-Wide

Greg Rynenberg

CEO & Founder

Alicia Ward

Chief Marketing Officer

Rebecca Sawers

Chief Insurance Officer

Lana Keleher

Head of Broking

Rawinia Lim

Head of Group Customer Outcomes

Erin Crawford

General Manager, Operations and Systems Integration

Lewis Hesling

Insurance Advisor

Sam Freney

Senior Insurance Advisor

Teneille Archer

Senior Insurance Advisor

Jake Ward

Insurance Advisor

Christian Monzon

Insurance Advisor

Michael Traill

Insurance Advisor

Alicia Newell

Executive Assistant

SPEAK WITH A RESTAURANT INSURANCE BROKER

Why Hospitality Businesses Choose EWIB

Restaurant Insurance Experts Who Understand Hospitality

Speak with brokers who understand the realities of running a restaurant, café or hospitality venue, helping you find cover that protects your staff, equipment, customers and business.

40+ Years Supporting Australian Restaurants

Since 1984, we’ve helped restaurants, cafés and hospitality venues protect themselves against public liability claims, property damage, business interruption and other costly risks.

Local Support Before,
During & After a Claim

From comparing restaurant insurance options to managing claims, our local brokers stay involved every step of the way, helping hospitality business owners avoid costly coverage gaps.

OUR PROCESS

We Make Restaurant Insurance Simple

Three straightforward steps to protect your restaurant.

1) Start your quote

Tell us about your restaurant, café or hospitality business.

2) We compare options

We review multiple insurance options tailored to your venue.

3) Choose your cover

Select the insurance solution that best fits your business.

IN-HOUSE HOSPITALITY CLAIMS MANAGEMENT

When Things Go Wrong, We Go To Work.

Claims are where good insurance advice matters most. Our local claims team helps restaurants and hospitality businesses manage claims quickly and clearly — without the confusion of dealing directly with insurers alone.

  • You call us

    One conversation with your local broker gets the process started.

  • We handle the details

    We lodge your claim, speak with insurers, and take care of the paperwork.

  • You stay focused on business

    While we work toward the right outcome, you stay focused on what matters.

Get a Restaurant Insurance Quote

Whether you run a café, restaurant, takeaway shop, bar or hospitality venue, EWIB helps Australian businesses compare insurance options tailored to the realities of hospitality.