Restaurant Insurance Online :: Calculators

Restaurant Insurance Online Financial Calculators

Restaurant Insurance Online is pleased to provide you with the following calculators to assist you on your financial journey.

Available Calculators

Income Protection Insurance Calculator

Find out how much monthly disability income protection insurance you qualify for. Use our calculator to estimate cover levels tailored to your income and needs.

Restaurant Insurance Calculator

Estimate your restaurant business insurance needs with our Restaurant Insurance Calculator. Calculate the right levels of cover to protect your hospitality business and your financial livelihood.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.

Restaurant Insurance Articles

The Legal Risks of Running a Restaurant: How Insurance Can Safeguard Your Business

Running a restaurant in Australia is exciting and full of potential, but it's not without its legal challenges. From compliance with food safety standards to managing employee relations, restaurant owners must navigate a complex web of regulations and potential legal issues. Issues such as slip and fall accidents, supplier disputes, and licensing can all pose significant risks. - 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

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

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

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

Insurance News

Cafe's Underinsurance Leads to Reduced Storm Damage Payout

04 Mar 2026: Paige Estritori

A recent case underscores the critical importance of ensuring adequate insurance coverage for businesses. A cafe and catering business, forced to close after a storm, faced a significant reduction in its insurance claim due to underinsurance. - read more

Insurer Ordered to Pay Restaurant's Arson Claim Amid Non-Disclosure Dispute

04 Mar 2026: Paige Estritori

A recent ruling by the Australian Financial Complaints Authority (AFCA) has significant implications for business insurance policies, particularly concerning the disclosure of directors' criminal histories. - read more

NSW Implements Stricter Penalties to Combat CTP Claims Farming

04 Mar 2026: Paige Estritori

The New South Wales (NSW) government has taken decisive action to curb the practice of claims farming within the Compulsory Third Party (CTP) insurance scheme, introducing legislation that imposes significant penalties on such activities. - read more

Undisclosed Tenant Activities Result in Denied Insurance Claim for Landlord

24 Feb 2026: Paige Estritori

In a recent ruling by the Australian Financial Complaints Authority (AFCA), a landlord's $99,295 theft claim was denied due to non-disclosure of a tenant's change in property use. The case underscores the critical importance of accurate tenant use disclosure in property insurance policies. - read more

Insurer Required to Honour Arson Claim Amidst Director's Undisclosed Criminal Past

24 Feb 2026: Paige Estritori

The Australian Financial Complaints Authority (AFCA) recently ruled that an insurer must pay an arson claim, despite the insured company's director having an undisclosed criminal history. This decision emphasizes the insurer's responsibility to prove non-disclosure when denying claims. - read more

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Knowledgebase

Coinsurance:
A percentage of the cost of a covered healthcare service that you pay after you have paid your deductible.

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