Business Insurance for Cafes in Australia

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Business Insurance for Cafes in Australia*

Dealing with food and people every day means cafés and coffee shops are faced with a number of risks. Risks are greater with an older shop fit out and if cooking takes place onsite.

Many Cafe owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

Cafe Owners can access many BIG name insurers AND
industry specific underwriters here.*

Small business owners QUESTIONS regarding
Business Insurance for Cafes in Australia ANSWERED:*

Our business insurance brokers can help you find suitable cost effective insurance for your café or coffee shop. Depending on the size of your cafe or coffee shop, certain insurance companies may offer better terms. Our brokers will obtain multiple quotes on suitable insurance policies for your from leading insurance companies such as VeroLumleyZurich and AIG.

TALK to a SMART Insurance broker on 1300 542 573 or email us at contact us online for SMART insurance cover for your cafe or coffee shop.

Depending on the cafe size and activities – for example; whether there is deep frying, and the numbers of covers taken the insurance cost for a cafe can vary significantly.

Cafe owners often purchase many of their commercial insurances in a business insurance package where important covers such as public and products liability, building, contents, money,theft and equipment cover, plus business interruption can be bundled in together in one policy that is often cost effective and easier to manage.

As it’s difficult to generalise about insurance cost for different types and sizes of cafes it smart to ask for a café insurance cost by simply calling a SMART Business Insurance broker on 1300 542 573.

Please note; there is a lot more to suitable cafe insurance than just low cost. It’s important that the cover you purchase can provide your cafe with sufficient resources and time to recover if there is an incident..

The Situation Address must be the address of either the physical risk being covered (like a property) or, in the case of Liability policies, the physical address for the normal place (or places) of business.

If you have multiple business locations, e.g., a number of branches, shops, factories or depots, then ALL location addresses must be shown on the schedule and advised to the insurers. And the multiple location addresses then needs to be kept up to date with the insurers at all times, in the event of any changes.

Insurers will not accept a Post Office box as a “normal place of business”, because you cannot do business from a PO Box.

A PO Box is fine for a mailing address, but cannot be used as the address of the “Situation” on any policy.

For example, Public Liability policies usually operate “at and from” an address, which should be the normal place of business for a business policy.

If the business was run from home, for example, then the home address would be shown as the normal place of business. The “at and from” nature of the cover would then cover any transitory business conducted away from the home address (or away from a real business address, as the case may be).

If the business was run from home but was selling through stands or kiosks at markets or shopping centres then that would have to be disclosed to the insurer, as it affects the risk.

Want guidance on Commercial Insurance coverage for your Cafe?
Get in touch. Here to help you.*

Need more CERTAINTY regarding your business insurance cover?
Have questions or want GUIDANCE?
Get in touch. Here to help you.*

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Small business owners DESERVE to get insurance cover at an
affordable price – and KNOW what they are covered for.*

We are business insurance brokers

What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.

And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.^

^Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.


REAL LIFE STORIES of small business owners who were UNCERTAIN about their business insurance coverage NOW operating with CONVICTION.*

Need expert Insurance Advice?
Get in Touch:*

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Learn More About Insurance for your Business:*


· We may act for you – not the insurance company
· We may obtain multiple quotes for you on suitable policies from leading insurance companies and underwriters
· You receive responsive friendly service.
· You’ll receive a competitive rate on a suitable policy year after year
· You’ll have us in your court if you need to claim
· Monthly payment options
· We’ll do the leg work for you!

Find out more.