Restaurant Insurance Online Restaurant Insurance Calculator

Our Restaurant Insurance Calculator helps you estimate suitable restaurant business insurance levels by adding up your key replacement costs, modelling a Business Interruption (BI) sum insured, and suggesting practical limits for Deterioration of Stock and Public Liability. This matters because underinsurance can leave you short after a fire, equipment damage, or a liability claim, while overinsurance can increase premiums unnecessarily. The calculator provides general information only and is not a quote or personal advice.

How to complete the calculator for the best result

1. Venue details: Enter seating capacity, whether you have a liquor licence, your takeaway or delivery share, and location type. These factors can influence liability and interruption risk. Choose your GST treatment based on whether you are GST-registered so the totals align with how you account for costs. Add financier details if applicable.

2. Fit-out and furniture: Add each major fit-out and furniture component with an estimated replacement value (not depreciated value). Include joinery, flooring, lighting, and dining furniture.

3. Kitchen and cooking equipment: Add high-value items such as ovens, fryers, dishwashers, rangehood and suppression systems, using today’s replacement cost.

4. Refrigeration and coolrooms: Add coolrooms, freezers, display fridges, and any associated plant. This supports stock and machinery risk estimation.

5. Electronics, POS and security: Include POS terminals, tablets, networking, CCTV, and audio systems.

6. Outdoor and signage (optional): Include alfresco furniture, awnings, heaters, umbrellas, and fixed signage.

7. Stock and consumables: Enter dry, chilled, frozen, and beverage or alcohol stock totals based on your typical peak holding.

8. Business Interruption: Enter annual turnover, gross profit margin, indemnity period in months, AICOW uplift, and a peak season factor. Add monthly rent if relevant.

9. Deterioration of stock and Public Liability: Select your backup monitoring level, any cap percentage, and any landlord or contract required liability limit. Choose a cautious bias if you prefer higher suggested tiers.

How to interpret results

The calculator outputs recommended sums insured and suggested limits, plus a JSON summary you can share for a quote request. Treat results as estimates: policy terms, exclusions, flood, glass, and machinery breakdown cover vary by insurer. Consider verifying figures against invoices, asset registers, and your accountant’s BI definition of gross profit before proceeding.