Hospo Cover
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Small business insurance

Restaurant Insurance

A restaurant carries risk from the front door to the back of house: open flame and hot oil in the kitchen, allergens on the menu and a dining-room fit-out worth serious money. Hospo Cover arranges hospitality insurance packages for Australian restaurants, comparing cover across a panel of insurers so one licensed broker looks after the whole venue.

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Cover

What restaurants need covered

Public Liability & Food Safety

A guest who slips, or who reacts to an allergen or a bout of food poisoning, can bring a claim against your venue. Public liability can respond to third-party injury and the legal costs of defending it, which matters when a single mistake in the kitchen can affect a whole table.

Kitchen Fire

Commercial kitchens run hot, with fryers, gas burners, grease and flame. Fire is one of the most serious risks a restaurant carries, and property cover can respond to damage to your building, fit-out and contents so a blaze does not end the business.

Contents, Stock & Fit-out

A restaurant fit-out, from the bar to the banquettes, is a major investment. Contents and fit-out cover can respond to fire, theft or storm, and stock cover can help replace spoiled produce and your cellar.

Machinery Breakdown

Ovens, cool rooms, dishwashers and refrigeration keep service running. Machinery breakdown can cover repair or replacement when critical kitchen gear fails, with business interruption to help while it is out of action.

Glass

Shopfront windows, the entrance and internal glass all break. Glass cover can pay to replace it quickly, so you are not trading behind boarded-up windows while a table waits.

Business Interruption

If a fire or major breakdown forces you to close, business interruption can help cover lost income, wages and rent while the kitchen is repaired or rebuilt.

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

Restaurants insurance questions.

Speak with our team on 1300 080 323.

What insurance does a restaurant need?
A restaurant usually starts with public liability, then adds property cover for fire and the fit-out, contents and stock, machinery breakdown for the kitchen, glass and business interruption. Hospo Cover can arrange these together and compare them across a panel of insurers as your broker.
Does restaurant insurance cover a kitchen fire?
It can. Property and fire cover can respond to damage to your building, fit-out, contents and stock caused by fire, and business interruption can help with lost income while you rebuild. Because commercial kitchens are a high fire risk, it is worth describing your setup fully so cover is arranged properly.
Does restaurant insurance cover food poisoning or allergen claims?
Public liability can respond to third-party injury claims, which can include illness linked to food you have served, subject to your policy terms. Good food-safety practices matter, and we can talk through how your cover responds so there are no surprises at claim time. This is general advice only.
How much does restaurant insurance cost?
There is no single price. It depends on your turnover, your menu and kitchen, 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 restaurant.
Can I pay for restaurant insurance monthly?
Often yes. Many hospitality policies can be arranged with flexible monthly or fortnightly payments to help with cash flow. Tell us what suits and we can look for a payment option that works for your venue.

Other occupations we cover

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Ready to get restaurants covered?

Tell us about your business in about 60 seconds and we come back to you with options.

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).