Business Insurance For Food Businesses

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Insurance for Food Business*

If you operate a food business you may have come to the SMART place for affordable and suitable cover.

Whether you operate a café , restaurant, mobile food truck or deli you face risks with the food and drinks you serve the public and risks in and around serving your customers.

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

Food Business Owners can access many BIG name insurers AND
industry specific underwriters here:*

QUESTIONS regarding
Insurance for Food Businesses ANSWERED:*

We can obtain quotes for insurance cover for a large number of food businesses including the following:

Small food manufacturers and processors (including Cottage Food Insurance)

Business insurance for small food manufacturers and processors, whether they operate from a factorywarehouse, shop front or home, that make and sell food such as Jams, sauces, cakes, desserts, confectionary, artisan breads, ice cream, salads, packaged dinners and more.

Takeaway food shop Insurance

Takeaway food shop insurance for take away food shops selling food such as pizza, sushi, sandwiches, panini, salads, rolls, hamburgers, wraps, baguettes, fish & chips, dim sims, Chinese, Asian, pasta, pies, pastries, hot dogs and more.

Stand/Kiosk/Booth Insurance

Small business insurance for Stands, Kiosks, Booths located in places such as Shopping malls, Beaches and Parks. Typically sell food and beverages such as: sandwiches, panini, sushi, hot dogs, pizza, crepes, popcorn, confectionary, cakes, donuts, soft drinks, water and sports drinks.

Corner Store/Milk Bar Insurance

Small business insurance for corner stores an milk bars.

Café Insurance

Café insurance for many types of cafes including coffee shops, laneway cafes, cafes specialising in breakfast, “office” cafes specialising in lunch and coffees, salad bars ,cafes serving gourmet sandwiches and panini , spud bars, comfort food, Italian, Chinese, Vietnamese or cafes based on nationalities or continents such as African or Asian. The list of cafes we can source suitable and affordable cover for is extensive.

Restaurant Insurance

Restaurant insurance for many types of restaurants including Italian, Chinese, Indian, Vietnamese, Lebanese, Greek, Asian, Thai, Mexican, Spanish, Tapas, Japanese, Malaysian, Australian, Modern, Casual, Formal, Hawker, Vegetarian, Seafood or Steakhouses.

Delicatessen Insurance

Delicatessen insurance for delis.

Bakery & Cake shop Insurance

Bakery insurance, and insurance cover for cake shops for small businesses selling pies, sausage rolls, cream buns, breads, cakes, pastries, and beverages including coffee, tea and soft drinks.

Caterer Insurance

Caterers insurance for caterers feeding people at events such as weddings, parties and business dinners.

Food cart Insurance

Food cart insurance for food cart businesses selling food such as hot dogs, pizza , sushi ,popcorn, cakes, donuts ,confectionary, pretzels, sausages, and drinks.

Vending machine Insurance

Vending machine insurance for vending machine operators selling food such ad confectionary, coffee, soft drinks, water, and snack foods.

Coffee van Insurance

Insurance for operators of coffee vans

Food business insurance can help provide protection against claims and damages arising from all or some of the risks below. For more information please TALK to one of our helpful small business insurance brokers on 1300 542 573 or contact us online.

  • Public Liability – eg: injuries from slips and falls. The risks are greater with multi-level food businesses, food businesses with hard to access bathroom facilities and mobile food operators that operate in high traffic areas.
  • Product Liability – eg: unwanted objects in food, food poisoning.
  • Business & General Property – eg: damage to building via vandalism
  • Fire and Perils – eg: fire arising from cooking, electrical malfunctions, unguarded flames and grease fires.
  • Crime – eg: cash and alcohol
  • Business Interruption – eg: profit associated with location or vehicle in the event you are forced to close for an extended period.
  • Equipment Breakdown – eg: refrigerator breaking down resulting in loss of stock.

Our helpful small business insurance brokers can help you find suitable cost effective insurance for your restaurant.

Depending on whether you have a small food business or a large one,a shop front or a mobile food operation, the level of fit out of your business, certain insurance companies may offer better terms.

Where possible our friendly insurance brokers will obtain multiple quotes on suitable insurance policies for your from leading insurance companies such as Vero, CGU, QBE, Zurich and AIG or obtain a competitive quote from a specialist underwriter.

For more information on food business insurance requirements, including what business interruption insurance can cover ,TALK to a SMART Insurance broker on 1300 542 573 or contact us online
for SMART insurance cover for your food business.

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 insurance coverage for your food business?
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.

SMART BUSINESS INSURANE BROKERS

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

Need expert Insurance Advice?
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Learn More About Insurance for your Business:*

GET The SMART Edge

· 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.