Why do Cafes need it?

As a cafe, your business is exposed to many different risks and hazards that are unique to the hospitality industry. We know you’re busy serving your regulars with cappuccino’scroissants or a cheeky muffin, so leave your order for business insurance with BizCover, the small business insurance specialist. Protecting your business has never been easier, receive multiple quotes, compare and get the right cover in minutes. 

Did you Know?

Public Liability Insurance: The average level of cover our customers take for their cafe business is 10 million dollars.

Insurance for Cafes

Public Liability Insurance*

Your business deals with members of the public every day from customers dining at your café to suppliers delivering stock. The reality is accidents can and do happen.

Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.

All it takes is for one of your staff to accidentally spill coffee on a customer or for a supplier to slip on a plastic prep mat for a public liability claim to be made against you.

Product Liability is usually included with your Public Liability policy and protects your business for personal injury or property damage caused by your products.

Business Insurance*

Your business assets help make your café dream a reality and while you may not be able to insure the welcoming ambience that you’ve createdyou can insure your bricks and mortar, and contents. 

Building*– if you are the owner of your café’s building, you are going to want to insure* one of your biggest assets. Having your building insured means you can repair or rebuild your premises when disaster strikes and get back to business sooner. Fires in the kitchen and burst water pipes are common café building claims. 

Contents*– provides protection for damage to items in your café like chairs, tables, artwork and other fittings.  

Machinery Breakdown*-running a café you rely on fridges, coffee machines, grinders and exhaust fans. Insuring them with Machinery Breakdown cover can cover the costs of repairing or replacing machinery following a breakdown. There is even an extension available to cover for the loss of stock if your fridge was to experience motor burnout and all your stock was spoiled. 

Glass*– provides cover for both internal and external glass, destruction of stock or contents caused by broken glass, signs made of glass, malicious damage where no breakage has occurred. 

Business Interruption^– is there to provide protection when you need it most when you are not able to open your business due to an unforeseen event like fire, theft or storm. It can cover you for things like the loss of income and increased costs of running your business due to the damage caused by events covered in your policy.  How would you pay your continuing bills if no money was coming in? 

^Business Interruption cover is available as an additional cover option when you take out a Business Insurance policy 

Management Liability*

When your business starts to grow, you employ more staff, introducing a new range of risks that come with running a business. Management Liability protects your business and personal assets against legal costs for allegations of mismanagement, misconduct or legislative breaches. Some examples include: 

  • Maintaining fair treatment within all areas of your business e.g. protection against bullying and harassment, discrimination and unfair dismissal and EPA fines 
  • OH&S 
  • Correct disposal of waste and garbage- especially important if your café deals with grease, incorrect disposal can result in you and your business being fined. 
  • Theft by employees- dealing with large amounts of cash each day, theft by employees is a common hazard within café businesses  

Tax Audit*

Small businesses have recently been in the sights of the Australian Taxation Office (ATO), ensuring they are paying their taxes and incomes correctly. If your café was selected for audit, the response can be expensive and timeconsuming 

Tax Audit insurance takes out some of the stress of an audit by covering the costs of professional fees accumulated from preparing the audit including the services of accountants, lawyers, bookkeepers and other advisers required. 


*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

Customer service was outstanding

Alexander O

This makes my life so easy I would recommend Biz cover to anyone

Lynda and James S

Wow, so easy. I was shocked. Thank you! My time precious at the moment.

Raoul S

I have gone through Bizcover to insure two of my businesses which I have found easy to do on line and not having a lot of time to waste on phone calls I find it convenient and time saving.

Angela B

Quick, simple and painless. The way everything should be.

Scott S

I found them most professional. They were the cheapest for my business cover. I would recommend them to other businesses and would definitely buy from them again. They helped me choose what was the best cover for me.

Janet J

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