Food and Beverage Insurance
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Food and Beverage Businesses We Help
Your trusted Food & Beverage Insurance Broker, providing tailored solutions for your business needs.
✓ Cafe Insurance
✓ Restaurant Insurance
✓ Takeaway Shop Insurance
✓ Fast Food Business Insurance
✓ Coffee Shop Insurance
✓ Bakery Insurance
✓ Patisserie Insurance
✓ Pizza Shop Insurance
✓ Dessert Shop Insurance
✓ Juice Bar Insurance
✓ Bubble Tea Shop Insurance
✓ Ice Cream Shop Insurance
✓ Catering Business Insurance
✓ Food Truck Insurance
✓ Mobile Food Vendor Insurance
✓ Market Food Stall Insurance
✓ Commercial Kitchen Insurance
✓ Event Catering Insurance
✓ Licensed Restaurant Insurance
Some hospitality insurance risks may require additional details such as cooking methods, deep frying, alcohol service and functions:
✓ Bar Insurance
✓ Pub and Tavern Insurance
✓ Hotel Insurance
✓ Motel Insurance
✓ Club and Venue Insurance
✓ Function Centre Insurance
✓ Nightclub Insurance
More hospitality, food service and food-related businesses we can assist
Cover Options
Public & Products Liability
For customer injury, property damage claims, or claims involving food, beverages or products supplied.
Property, Contents & Equipment
For fit-out, furniture, fixtures, kitchen equipment, POS systems and business contents.
Stock Cover
For food, drinks, ingredients, alcohol and other hospitality stock.
Theft Cover
For stolen stock, equipment, money or business contents.
Glass Cover
For shopfront glass, internal glass, display glass and mirrors.
Business Interruption
For loss of income after an insured property event.
Machinery Breakdown
For breakdown of fridges, freezers, cool rooms and kitchen equipment.
Spoilage of Stock
For refrigerated or frozen stock losses following an insured event or equipment breakdown.
Money Cover
For theft of business money.
General Property
For portable business items taken away from the premises.
Goods in Transit
For stock, equipment or goods while being transported, where selected.
Cyber Insurance
For POS systems, online bookings, customer records and electronic payments.
Simple Cover Levels
For small hospitality businesses, sole traders, food stalls or mobile operators with limited premises exposure.
🛡️ Public & Products Liability
🛡️ General Property, for portable equipment
🛡️ Goods in Transit, if stock or equipment is transported
Standard Cover
For cafes, restaurants, takeaway shops and hospitality businesses with premises, stock, contents and equipment.
🛡️ Public & Products Liability
🛡️ Property, Contents & Equipment
🛡️ Stock Cover
🛡️ Theft Cover
🛡️ Glass Cover
🛡️ Business Interruption
🛡️ Machinery Breakdown inc Food Spoilage
Why Choose Us
We work closely with beauty business owners to understand their services, risks and insurance needs. As brokers, we know the insurance market and can approach suitable insurers to help find competitive terms for your business.
We do more than simply arrange a policy. We review the fine print, check key exclusions, explain important conditions, and help ensure your disclosed activities are properly considered by the insurer.
At renewal time, we don’t just let your policy roll over. We review your cover, consider market options where appropriate, and work to secure suitable protection at competitive pricing.
15+ Years Industry Experience
Tailored Options to Your Services
Quote, Claims & Renewal Support – No Hidden Fees
Network of Insurer Options – Ensuring Best Priced
Get Covered in 3 Simple Steps
No cost to review or quote. You only pay once you choose to proceed with, no hidden fees.
Tell Us About Your Business
We complete a fact find to understand your business, risks, objectives and insurance needs.
We Search the Market
We compare options from our insurer network of over 100 insurers and underwriting agencies to help find suitable cover at a competitive price.
Receive Your Documents
Once you are happy to proceed, we arrange cover and provide your insurance documents.
Ready to compare options?
Get A Free Quote
Tell us about your business and we’ll help review suitable insurance options for your needs.
Frequently Asked Questions
Why is it important to use an insurance broker?
A broker can help review the fine print, policy conditions and exclusions to check that your disclosed business activities are properly considered by the insurer.
Does hospitality insurance cover food poisoning claims?
Products Liability may respond to certain claims involving food or drinks supplied, depending on the policy terms, exclusions and circumstances.
Can I insure my cooking equipment, fridges and freezers?
Yes, you will be able to insure kitchen equipment, cool rooms, fridges, freezers, coffee machines and other business equipment under contents, property or machinery breakdown cover.
Does insurance cover spoiled food or refrigerated stock?
Spoilage of stock cover is available where refrigerated or frozen stock is lost due to an insured event or equipment breakdown.
Can insurance cover loss of income if my business has to close after damage?
Business Interruption cover may help with loss of income after an insured property event, such as fire, storm, water damage or serious equipment damage.
Can I insure alcohol stock?
Yes, alcohol stock can be insured as part of your stock cover. However, if you want theft cover for alcohol, it may need to be clearly listed and allowed under the theft section, depending on the insurer and policy wording.
Do I need to declare wok cooking, deep frying, cool rooms, fridges and freezers?
Yes. Hospitality businesses should disclose major cooking methods and refrigeration exposures, including wok cooking, deep frying, cool rooms, fridges and freezers. Insurers may ask about the type of cooking, deep fryer oil capacity in litres, exhaust and duct cleaning, fire protection, cool room size, refrigerated stock values and maintenance arrangements. These details can affect insurer acceptance, pricing, policy conditions.
Do I need to tell the insurer if I serve alcohol or have a liquor licence?
Yes. Alcohol service should be disclosed, as insurers may ask about your liquor licence, trading hours, food service, security, live music, events and whether alcohol is consumed on the premises. This can affect insurer acceptance, pricing and policy conditions.
Claim Scenarios:
Customer slip and fall
A customer slips on a wet floor inside the restaurant and alleges injury.
Food poisoning allegation
A customer claims they became sick after eating food supplied by the business.
Fire from cooking equipment
A fire starts in the kitchen and damages the fit-out, equipment and stock.
Fridge or freezer breakdown
A fridge or freezer breaks down overnight and refrigerated stock is spoiled.
Shopfront glass damage
The front glass window is smashed after hours and needs urgent replacement.
Theft after break-in
FThieves break into the premises and steal cash, alcohol, stock or business equipment..
Water damage to premises
A burst pipe or leak damages flooring, stock, furniture or kitchen equipment.
Cyber or payment system issue
A POS system, online ordering platform or customer payment system is affected by a cyber incident.