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Tailored Restaurant Insurance Solutions In Australia

If you want the best value-for-money Insurance rates and options for your restaurant business, you are definitely in the right place. At Restaurant Insurance Online, we help you compare Restaurant Insurance policy offers and quotes from a comprehensive range of Australia's leading and best rated Hospitality Insurance companies and specialist brokers!

We help you find the right cover at the best rates!

  • Best Rates
  • Multiple Insurers
  • Compare Options
  • Personal Advice
  • Professional Service
  • Tailored Cover
Your free restaurant insurance quote comparison starts here!
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All quotes are provided free and without obligation. We respect your privacy.

What Does Restaurant Insurance Cover?

Restaurant insurance is designed to protect restaurant owners, managers, and staff from the unique risks associated with running a foodservice business. Whether you operate a cozy café, a fine dining establishment, or a bustling diner, restaurant insurance safeguards your investment against property damage, liability claims, and operational disruptions that can significantly impact your bottom line.

Key Coverage Areas:

  • Property & Equipment Damage: Covers losses from fire, theft, vandalism, or natural disasters, ensuring your kitchen equipment, dining area, and furnishings are protected.
  • Public Liability: Shields you from claims arising from customer injuries or accidents on your premises.
  • Product Liability: Provides coverage if customers suffer from food poisoning, allergic reactions, or other food-related issues.
  • Business Interruption: Compensates for lost revenue if your restaurant must temporarily close due to unforeseen events.
  • Liquor Liability: For restaurants that serve alcohol, this coverage protects against claims related to alcohol service.
  • Equipment Breakdown: Ensures repair or replacement of critical kitchen appliances and systems.
  • Cyber Liability: Protects against data breaches that could compromise customer information and your business operations.

Our tailored restaurant insurance policies are designed to manage your unique risks, ensuring your business remains resilient in the face of unexpected challenges.

How Much Does Restaurant Insurance Cost?

The cost of restaurant insurance varies based on factors such as the size of your establishment, location, cuisine type, and claims history. Premiums can range from a few hundred dollars for small cafés to several thousand dollars for large, full-service restaurants with extensive facilities.

Factors That Affect Your Premiums:

  • Restaurant Size & Capacity: Larger establishments with more seating typically require higher coverage limits.
  • Location & Risk Factors: Areas prone to natural disasters or higher crime rates may see increased premiums.
  • Type of Cuisine & Operations: Restaurants handling high-risk foods or offering alcohol service might incur additional costs.
  • Claims History: Past claims or incidents can influence your premium rates.
  • Coverage Limits & Deductibles: The amount of coverage and your chosen deductible levels directly impact your costs.
  • Operational Complexity: More extensive kitchen equipment and services may require additional coverage.

Our expert brokers work with you to secure competitive quotes, ensuring you receive comprehensive restaurant insurance at the best possible price.

Is Restaurant Insurance Mandatory?

While restaurant insurance may not be legally mandated in every jurisdiction, many local councils, lenders, and regulatory bodies require evidence of comprehensive insurance before granting operating licenses or financing. More importantly, having robust restaurant insurance is essential to protect your business from potentially devastating financial losses.

Common Coverage Requirements Include:

  • Public liability insurance
  • Property and equipment protection
  • Liquor liability (if applicable)
  • Business interruption coverage

If you're unsure of what your restaurant requires, our licensed brokers can help you navigate local regulations and determine the optimal coverage for your business.

Why Choose Our Restaurant Insurance Solutions?

  • Specialist Expertise: Our brokers have extensive experience in the restaurant and hospitality industry, ensuring you receive advice tailored to your specific needs.
  • Customized Coverage: We offer flexible policies that are designed to address the unique risks of your restaurant.
  • Competitive Quotes: Compare multiple quotes from leading insurers to find the best value without compromising on coverage.
  • Streamlined Process: Our quick and easy online quote system gets you connected with top-rated insurers in no time.
  • Comprehensive Protection: Our policies cover everything from property damage and public liability to equipment breakdown and cyber risks, giving you peace of mind.

Get your Restaurant Insurance Quote Today!

Protect your restaurant from unexpected events with comprehensive insurance coverage that safeguards your property, equipment, and reputation. Whether you're running a small café or a bustling full-service restaurant, our expert brokers are here to help you secure the best restaurant insurance options available.


Best rates

Simply complete our short online loan quote form to access the best restaurant insurance rates—ensuring you get comprehensive coverage tailored to your foodservice business needs.


Compare Options

Every restaurant is unique. We help you compare features, benefits, and pricing to find the best restaurant insurance that fits your unique requirements.


Multiple Insurers

Submit your online quote request and we’ll instantly match your details with top insurers competing to offer you the best restaurant insurance coverage available.



Restaurant Insurance Articles

Navigating the Insurance Landscape: Financial Strategies for Restaurant Owners
Navigating the Insurance Landscape: Financial Strategies for Restaurant Owners
In the bustling world of hospitality, restaurant owners face a unique set of challenges that can impact their financial stability. From unexpected kitchen mishaps to customer accidents, understanding the unique risks in the hospitality industry is crucial. These risks can lead to significant financial burdens if not properly managed. - read more
Finding the Right Insurance Partner: A Guide for Australian Restaurants
Finding the Right Insurance Partner: A Guide for Australian Restaurants
Running a restaurant in Australia comes with its own set of unique challenges and risks. From busy kitchens to bustling dining areas, every corner of your establishment holds potential liability issues. Understanding these risks and how they can affect your business is crucial for safeguarding your investment. - read more
The Role of Staff Training in Reducing Liability Risks in Your Restaurant
The Role of Staff Training in Reducing Liability Risks in Your Restaurant
Running a restaurant involves navigating a myriad of potential liabilities. From food safety issues to customer injuries on premises, the risks are numerous. In recent years, liability concerns have become even more pressing in the restaurant industry, as businesses face strict regulations and the potential for costly litigation. - read more
How to Choose the Right Insurance Coverage for Your Restaurant Business
How to Choose the Right Insurance Coverage for Your Restaurant Business
Running a restaurant in Australia is both exciting and challenging. From crafting delightful dishes to ensuring an excellent dining experience, restaurant owners juggle multiple responsibilities daily. Amidst all these, securing adequate insurance coverage often takes a backseat, though it's crucial for the health of the business. - read more

Insurance News

Empower Your Cyber Knowledge with CFC's Free Masterclass
Empower Your Cyber Knowledge with CFC's Free Masterclass
03 Sep 2025: Paige Estritori
In an era where cyber threats are increasingly sophisticated, CFC Underwriting Limited has unveiled a unique opportunity for brokers to fortify their expertise through its newly launched Cyber Masterclass. This initiative offers a flexible, on-demand video learning series designed to advance brokers into proficient cyber insurance specialists at their convenience. - read more
NSW Revisits CTP and Lifetime Care Schemes
NSW Revisits CTP and Lifetime Care Schemes
02 Sep 2025: Paige Estritori
New South Wales (NSW) is undertaking a detailed review of its Compulsory Third Party (CTP) insurance scheme as well as its lifetime care and support system. The Standing Committee on Law and Justice of the state's upper house has initiated this examination as part of their routine practice conducted every parliamentary term. The last thorough assessment took place in 2022. - read more
AFCA Upholds Insurer's Premium Increase Amid Consumer Complaint
AFCA Upholds Insurer's Premium Increase Amid Consumer Complaint
01 Sep 2025: Paige Estritori
A recent decision by the Australian Financial Complaints Authority (AFCA) has ruled against a homeowner seeking an $18,000 refund from Allianz. The homeowner claimed that the insurer failed to adequately inform her about substantial increases in her optional flood cover premiums. Initially, her monthly payments surged from $369 to $1277 in August 2022, a change she only noticed in March of the following year through her bank statements. - read more
Rising Group Premiums Pose Challenges for Australian Life Insurance
Rising Group Premiums Pose Challenges for Australian Life Insurance
28 Aug 2025: Paige Estritori
Insurance premiums for group life policies with long-term benefits have surged between 15% to 25% on average in the first half of the year, according to a mid-year market update from Marsh Australia. While the steepest increases affected those with adverse claims experiences, short-term rates and premiums for permanent disabilities remained relatively steady. The sector has also become more selective, with insurers adopting stricter underwriting standards, particularly eschewing high-risk industries. - read more
Concerns Arise Over Construction Code Pause Amid Housing Push
Concerns Arise Over Construction Code Pause Amid Housing Push
28 Aug 2025: Paige Estritori
The federal government's initiative to accelerate housing development by relaxing certain building regulations has raised alarm within the insurance sector. Housing Minister Clare O’Neil announced changes on social media, indicating a strategic pause on parts of the National Construction Code to expedite building approvals and encourage the construction of much-needed homes across Australia. This move comes in response to challenges in the approval process, which often delays construction. - read more

Your free restaurant insurance quote comparison starts here!
First Name:
Postcode:

All quotes are provided free and without obligation. We respect your privacy.

Knowledgebase
Incontestability Clause:
A provision in a life insurance policy that prevents the insurer from voiding coverage due to a misstatement by the insured after a certain period.