Restaurant Insurance.
Protect Your Kitchen, Contents and Trade.
Tailored cover for restaurants, cafes and hospitality venues across Australia.
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Why Restaurants Need Commercial Property Coverage
Restaurant Insurance is a tailored package of policies designed to protect businesses in the hospitality industry.
At its core, Commercial Property Insurance protects your restaurant's physical assets, including your building, kitchen equipment and inventory.
It helps ensure that the things keeping your restaurant running are protected against damage, theft or loss from events like fires, storms or vandalism.
RISK ANALYSIS
Why Does It Matter to Restaurants?
Restaurants rely heavily on kitchen equipment, dining furniture and stock of ingredients. Damage to these can halt operations, costing you revenue and customers.<br><br>Here's why Restaurant Insurance matters:
High-Value Assets: Commercial kitchens are packed with expensive equipment like ovens, fridges and grills. A single fire or flood could result in thousands of dollars in losses.
Frequent Risks: Restaurants deal with fire hazards, water damage from plumbing issues and theft, all of which can disrupt your business.
Revenue Protection: If your restaurant can't operate due to property damage, you could lose income. Insurance can help cover these losses, keeping your business afloat.
Lease and Regulatory Requirements: Some leases or local regulations may require you to have Commercial Property Insurance to operate. Beyond compliance, this cover protects your investment in the business you've built.
High-Value Assets: Commercial kitchens are packed with expensive equipment like ovens, fridges and grills. A single fire or flood could result in thousands of dollars in losses.
Frequent Risks: Restaurants deal with fire hazards, water damage from plumbing issues and theft, all of which can disrupt your business.
Revenue Protection: If your restaurant can't operate due to property damage, you could lose income. Insurance can help cover these losses, keeping your business afloat.
Lease and Regulatory Requirements: Some leases or local regulations may require you to have Commercial Property Insurance to operate. Beyond compliance, this cover protects your investment in the business you've built.
PROTECTION SCOPE
What Does Restaurant Insurance Cover?
Here's what Restaurant Insurance can cover:
A kitchen fire can destroy equipment, furniture and even the building itself. Insurance covers repair or replacement costs.
Heavy storms or burst pipes can flood your restaurant, damaging inventory and interiors.
From stolen stock to vandalised storefronts, insurance helps cover losses from criminal activity.
If a critical piece of equipment like a deep fryer or fridge fails due to a covered event, insurance can cover repair or replacement.
If damage forces you to close temporarily, this coverage can help replace lost income and cover ongoing expenses like rent.
ELIGIBILITY
Who Needs Restaurant Insurance?
If you own or operate a hospitality business, Restaurant Insurance is likely essential:
Restaurant Owners: From fine dining to casual eateries, your building and contents are at risk from daily operations.
Takeaway Shops: Even small setups with minimal equipment face risks like theft or fire.
Bars and Pubs: High-traffic venues with valuable fixtures and fittings need robust coverage.
Caterers: If you operate out of a commercial kitchen, your equipment and inventory are just as vulnerable.
Restaurant Owners: From fine dining to casual eateries, your building and contents are at risk from daily operations.
Takeaway Shops: Even small setups with minimal equipment face risks like theft or fire.
Bars and Pubs: High-traffic venues with valuable fixtures and fittings need robust coverage.
Caterers: If you operate out of a commercial kitchen, your equipment and inventory are just as vulnerable.
PLACEMENT SUCCESS
Real Placements We've Secured
We work with restaurants that other brokers struggle to place. Here are two recent examples:
KNOWLEDGE BASE
Frequently Asked Questions
Get a Quote for Your Restaurant
Our team specialises in hospitality insurance. Tell us about your venue and we'll come back to you with options.