RESTAURANT AND CAFE INSURANCE
New apprentice? Refrigeration "not cool"? We've got cover for that.
WHAT'S INCLUDED
What can be included in a package
Property Damage
Protects your building and/or contents against damage.
Business Interruption
Protects your profits or rent after damage to the property.
Public & Products Liability
Protects you from claims of negligence which caused property damage or personal injury.
Theft
Broader than burglary covers, protecting you from items being stolen.
Money
Protect against theft of money.
Glass
Replacement value with no limit plus additional covers on signs/signwriting.
Machinery Breakdown
Equipment plus options to include any loss of food.
Electronic Equipment Breakdown
Like Machinery breakdown, but for electronic items.
COMMON QUESTIONS
Questions restaurant and cafe owners ask us
Is food poisoning covered by insurance?
Yes it is, if you take out Public Liability insurance, it will include an extension for Products Liability and this will protect you against claims made by customers for food poisoning as well as any other personal injury or property damage claims.
Is machinery breakdown covered by insurance?
Yes machinery breakdown can be insured as well as claims concerning the loss of stock following the breakdown of fridges at restaurants. Uninsured loss for your machinery or food spoilage will impact your business operations and ultimately profits for the business, so speak to one of our Insurance Experts to review your individual needs.
Is public liability insurance important for my restaurant business?
Yes, because If you don’t insure for Public Liability, any allegation of negligence that causes bodily injury or property damage could end your business. It could be a customer, supplier, delivery person, or any member of the public that is injured by your business or products that could sue you and without insurance (or enough insurance) could take everything. So speak to one of our Insurance Experts to review your individual needs.
WHY OBIB
Why choose OBIB for your restaurant of cafe?
We understand your business and the unique operations associated with it. Similarly, the insurance coverage for your business will differ from others, whether you’re a casual or fine dining restaurant, take-away specialists, coffee shop, have deep frying or don’t, are licensed or not, as business insurance brokers, we analyse the risks associated with your restaurant or cafe and help you choose the cover that protects your business from future hazards.
As an Australian-based insurance broking company for business owners, we scour the market to provide at least 10 suitable insurance quotes, with tailored advice, transparency of all quote options and all with monthly premium payment options that don’t cost you any extra interest or fees. Then should you ever need to claim, you will have the comfort of knowing that you have experienced professionals helping make sure you’re paid what you’re entitled to.
Paying interest to pay monthly? You shouldn't be.
All our options can be paid by monthly installments at no extra cost. Get 10+ tailored quotes within 24 hours.
