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Small business insurance

Cafe Insurance

A cafe runs hot and fast: espresso machines and milk steamers going flat out, a wet floor at the morning rush and a queue out the door. Hospo Cover arranges hospitality insurance packages for Australian cafes, comparing cover across a panel of insurers so your public liability, your gear and your shopfront are all looked after by one licensed broker.

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5.0★ from 250+ Google reviews 60-second quote Licensed & Australian

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Cover

What cafes need covered

Public Liability

A customer scalded by a hot coffee, a slip on a spilt latte or a trip over a footpath sign. Public liability can respond to third-party injury and property-damage claims, including the legal costs of defending them. It is the cover almost every landlord and shopping-centre lease asks a cafe to hold.

Coffee Machine & Fridge Breakdown

Your espresso machine, grinders, fridges and cool room are the cafe. Machinery breakdown can cover the cost of repairing or replacing gear that suddenly fails, and business interruption can help while it is down. A dead machine on a Saturday is lost trade, not just a repair bill.

Contents, Stock & Fit-out

Your fit-out, furniture, point-of-sale and the stock in your fridges all represent real money. Contents and stock cover can respond to fire, theft or storm damage, so a bad night does not wipe out what you have built.

Shopfront Glass

Cafes live behind big panes of glass: the shopfront, display cabinets and the door everyone pushes. Glass cover can pay to replace broken glass quickly, often with signage and installation costs included.

Business Interruption

If a fire or flood closes your doors, business interruption can help cover lost income and ongoing costs like rent and wages while you get back on your feet.

Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.

5.0 from 250+ Google reviews

Reviews are for Stonewell Insurance, the business behind Hospo Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).

FAQ

Cafes insurance questions.

Speak with our team on 1300 080 323.

What insurance does a cafe need?
Most cafes start with public liability, then add contents, stock and fit-out cover, machinery breakdown for the coffee machine and fridges, and glass for the shopfront. Business interruption can protect your income if you have to close. As your broker, Hospo Cover can arrange these together in one hospitality package.
Does cafe insurance cover my coffee machine breaking down?
It can, if machinery breakdown is included. That cover can respond to the sudden failure of gear like your espresso machine, grinders and refrigeration, and paired with business interruption it can help with lost trade while the machine is repaired or replaced. We can talk through the right limits for your setup.
Does my landlord require insurance for a cafe?
Most commercial leases and shopping centres require a cafe to hold public liability at a set limit and to provide a certificate of currency before you open. Tell us what your lease asks for and we can arrange cover to match, then issue the certificate.
How much does cafe insurance cost?
There is no single price. It depends on your turnover, your location, the value of your fit-out and stock and the covers you choose. We compare options across a panel of insurers and come back to you with quotes for your cafe. This is general advice only.
Can I get a certificate of currency quickly?
Yes. Once your cover is arranged, your certificate of currency is usually issued the same day during business hours, so you can give your landlord or centre manager the proof they need.

Other occupations we cover

RestaurantsBarsFood Trucks

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Ready to get cafes covered?

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Get my quote 1300 080 323

Hospo Cover is a registered trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).