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Restaurant Insurance Online Articles

Restaurant Insurance Online recommends the following articles which we hope you find of interest.

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Restaurant Insurance Articles

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

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

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

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

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Insurance News

AFCA Rules in Favour of Restaurant in Arson Insurance Dispute

27 Oct 2025: Paige Estritori

In a recent decision, the Australian Financial Complaints Authority (AFCA) has directed an insurer to honour an arson claim, despite the restaurant's director failing to disclose his criminal history during the policy's inception. This ruling underscores the complexities surrounding disclosure obligations and the importance of clear communication between insurers, brokers, and policyholders. - read more

IAG's Profit Surge and the Impending Rise in Insurance Premiums

27 Oct 2025: Paige Estritori

Insurance Australia Group (IAG), a leading insurer in the country, has reported a significant 91% increase in net profit for the first half of the financial year, amounting to $778 million. This substantial growth is attributed largely to favourable weather conditions during the period. However, despite this profit surge, IAG's CEO, Nick Hawkins, has indicated that insurance premiums are expected to continue rising, albeit at a slower pace. - read more

Rising Insurance Costs Pose Challenges for NSW Restaurant Owners

27 Oct 2025: Paige Estritori

Recent findings from a survey conducted by Business NSW have highlighted a growing concern among businesses in New South Wales regarding escalating insurance premiums. The survey revealed that 64% of respondents are not fully insured against catastrophic events, and nearly 80% have experienced double-digit rate increases over the past year. Alarmingly, one in three businesses reported premium hikes exceeding 30%. - read more

Addressing Business Interruption Insurance Gaps in the Food Industry

11 Oct 2025: Paige Estritori

Recent findings have highlighted a significant vulnerability within Australia's food and beverage sector: a substantial number of businesses are operating without adequate business interruption insurance. This oversight places them at considerable financial risk in the event of unforeseen disruptions. - read more

Rising Insolvencies in the Australian Hospitality Industry

11 Oct 2025: Paige Estritori

The Australian hospitality sector is currently grappling with significant economic challenges, leading to a notable increase in business closures. Recent data indicates that nearly one in ten hospitality and food service businesses have shut their doors in the past year, marking a record-high closure rate of 9.4%. - read more

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Knowledgebase

Insurance Deductible:
That part of an insurance claim that must be paid by an insured person before the the balance is paid by the insurer.

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