Restaurant Insurance Online :: Calculators

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Restaurant Insurance Online 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.

Restaurant – Insurance Calculator

Purpose‑built for restaurants. Totals your property replacement values, estimates a Business Interruption (BI) sum, and suggests limits for Deterioration of Stock and Public Liability. Not a quote or advice.

Venue details

Seating capacity (approx.)

Liquor licence

Takeaway/delivery share (%) Higher delivery share can change BI dynamics and transit exposures.

Location type

GST treatment Most venues claim input tax credits → ex‑GST sums.

Financier (optional)

Fit‑out & furniture

Kitchen & cooking equipment

Combi ovens, ranges, fryers, grills, dishwashers, rangehood/canopy, ANSUL/suppression.

Refrigeration & coolrooms

Coolrooms, freezers, under‑bench/display fridges, glycol/ice machines.

Electronics, POS & security

POS terminals, tablets, servers, Wi‑Fi/networking, CCTV/DVR, music systems.

Outdoor & signage (optional)

Alfresco awnings, heaters, outdoor furniture, umbrellas, fixed signage, glass.

Stock & consumables

Dry stock total

Chilled stock total

Frozen stock total

Beverage/alcohol stock total

Business Interruption (Gross Profit)

Annual turnover ($)

Gross profit margin (%) As defined in your BI wording: turnover minus uninsured working expenses.

Indemnity period (months)

AICOW / uplift (%) Additional Increase in Cost of Working buffer.

Peak season factor

Rent per month (optional)

Deterioration of stock suggestion

Refrigeration backup/monitoring

Cap (% of chilled+frozen) Optional ceiling. Leave at 50% if unsure.

Public Liability limit suggestion

Contract/landlord required limit

Risk bias

Glass & Machinery Breakdown hints

External glass & signage total (optional)

Critical motors/plant value (optional)e.g., coolroom compressors, dishwashers, extraction fans.

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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

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

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

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

Insurance News

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

Innovative Strategies for Building Resilience in Australia's Hospitality Sector

11 Oct 2025: Paige Estritori

In response to mounting economic pressures, Australian restaurateurs are increasingly embracing innovative strategies to enhance resilience and ensure long-term success. A recent report by Square, in collaboration with YouGov, sheds light on how the industry is adapting to challenges such as inflation, rising operational costs, and staff retention issues. - read more

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Knowledgebase

Underwriting:
The process by which an insurer determines the risk of insuring a client and decides the terms of coverage.

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