We also value your feedback and suggestions — they help us continually improve the Restaurant Insurance Online experience and ensure our services meet the needs of our users.
For general questions, compliments, or complaints not related to a quote, please use our online contact form so we can direct your enquiry to the appropriate department promptly.
Contact Details
Mailing Address: PO Box 1183 Palm Beach, Queensland, Australia 4221
Office Location: 43 Larch Street Tallebudgera, Queensland, Australia 4228
Complaints Handling
If you have a concern or complaint about any aspect of our service, including the way your personal information has been handled, please contact us in the first instance. We will acknowledge your complaint promptly and aim to resolve it within a reasonable timeframe in accordance with our internal complaints procedure.
If you are not satisfied with our response, you may refer your complaint to the Australian Financial Complaints Authority (AFCA) — an independent external dispute resolution scheme approved by ASIC:
For complaints relating specifically to privacy or the handling of personal information, you may also contact the Office of the Australian Information Commissioner (OAIC):
Any personal information you provide via this website will be handled in accordance with our Privacy Policy. We collect this information to respond to your enquiry, manage your request, and, where applicable, refer you to a licensed professional. You can request access to or correction of your personal information at any time by contacting us in writing.
Licensing and Regulatory Information
This website is operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), located at 43 Larch Street, Tallebudgera QLD 4228, A.C.N. 010 281 008.
Clark Family Pty Ltd is an Authorised Credit Representative of Saccasan Pty Ltd (Australian Credit Licence No. 386297) and an Authorised Representative of Unique Group Broker Services (Australian Financial Services Licence No. 509434).
For more information about licensing and regulatory matters, please visit the ASIC website.
Follow us!
We are a proud member of the Financial Services Online network!
Connect with us on your favourite social media platform for the latest financial news, views, resources and information.
A recent insurance dispute involving a food delivery business offers a practical warning for Australian restaurant and café operators: if a location is not listed on the policy schedule, the cover may not respond when something goes wrong. - read more
Australian hospitality operators have another liability option to watch, after Haven Underwriting added broadform liability cover to its product line-up, backed by capacity from Mitsui Sumitomo Insurance. The product is aimed at several customer groups, including cafés, restaurants, wine bars and associated hospitality risks, with a stated limit of up to $20 million per policy. - read more
A recent insurance dispute involving a faulty vaccine fridge has a useful warning for Australian restaurant and café owners: a broken fridge is not always enough to secure a payout. In the case, reported on 26 June 2026, a business policyholder argued that a refrigeration unit had moved outside the required temperature range and could not be restored through resets. The owner believed an internal control component had failed and sought cover under an equipment failure section of the policy. - read more
In a significant development for New South Wales (NSW) businesses, the state government has announced a temporary freeze on workers' compensation premium rates for the 2026-27 and 2027-28 financial years. This decision comes after a series of annual increases totaling 24% over the past three years, which had placed considerable financial strain on employers across various sectors. - read more
The Australian Prudential Regulation Authority (APRA) has released a comprehensive report emphasizing the urgent need for proactive measures to mitigate the escalating risks associated with extreme weather events. The Insurance Climate Vulnerability Assessment (ICVA) serves as a stress test, highlighting the potential financial and operational impacts of climate-related hazards on the insurance industry and the broader community. - read more
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
Running a restaurant in Australia comes with its own set of challenges, particularly when it comes to navigating legal risks. For restaurant owners, understanding these risks is crucial in safeguarding their businesses from potential financial hardships. - read more
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
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
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
Knowledgebase
Underwriting: The process by which an insurer determines the risk of insuring a client and decides the terms of coverage.
