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.

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

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.

Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

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Restaurant Insurance Articles

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

AFCA Upholds Restaurant's Arson Claim Amid Disclosure Dispute

07 Jan 2026: Paige Estritori

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

Pizzeria Owner Compensated for Stress in Insurance Claim Dispute

07 Jan 2026: Paige Estritori

The Australian Financial Complaints Authority (AFCA) has awarded $2,500 in compensation to a pizzeria owner, citing undue stress and inconvenience caused by QBE Insurance's handling of a fire damage claim. This case underscores the necessity for insurers to manage claims with empathy and efficiency, particularly when dealing with vulnerable customers. - read more

Rising Insurance Premiums Challenge NSW Businesses

07 Jan 2026: Paige Estritori

Business NSW has raised concerns over the escalating insurance premiums affecting businesses across the state, with a recent survey revealing that 64% of members are not fully insured against catastrophes. This alarming trend underscores the urgent need for comprehensive reform to address insurance affordability and accessibility. - read more

AFCA Ruling: Insurer Must Honour Arson Claim Despite Director's Past

30 Dec 2025: Paige Estritori

In a significant decision, the Australian Financial Complaints Authority (AFCA) has directed an insurer to honour an arson claim for a restaurant, despite the director's failure to disclose his criminal history during the policy's inception. This ruling underscores the complexities surrounding disclosure obligations and the insurer's duty to assess risk appropriately. - read more

Navigating Insurance Challenges: A Call to Action for Perth's Hospitality Sector

30 Dec 2025: Paige Estritori

Perth's hospitality industry is currently grappling with escalating operational costs, prompting many businesses to reassess their insurance coverage to ensure both adequacy and affordability. Rising wages, tighter profit margins, and complex compliance requirements are compelling restaurants, cafes, and bars to scrutinize their insurance policies more closely. - read more

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Knowledgebase

Insurance Premium:
The periodic amount paid for the purchase of insurance.

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