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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.
We can obtain quotes for insurance cover for a large number of food businesses including the following:
Business insurance for small food manufacturers and processors, whether they operate from a factory, warehouse, 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 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.
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.
Small business insurance for corner stores an milk bars.
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 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 for delis.
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.
Caterers insurance for caterers feeding people at events such as weddings, parties and business dinners.
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 for vending machine operators selling food such ad confectionary, coffee, soft drinks, water, and snack foods.
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.
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.
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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.
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Client Testimonial – Brenda Freeman Meet Brenda Freeman from Global Options Brenda Freeman is co-founder of telecommunication specialists Global Options. Brenda’s Toowoomba based business, are
Are You Gambling With Your Commercial Property Insurance? Commercial investments can be a risky business at the best of times, especially in a perpetually changing
· 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!
Any information contained in this website is for informational purposes only and is in no way to be considered personal, financial or legal advice.You should contact an authorised insurance adviser, accountant or solicitor to obtain advice in relation to your specific situation . Use of this website does not create a relationship between SMART Business Insurance and the reader.
SMART Business Insurance is a Corporate Authorised Representative (AR Number 437328) of United Insurance Group (UIG) AFS Number 327131
Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.
*Important: Cover may be available subject to meeting insurers underwriting criteria. Some of the covers listed may or may not be available or may have limitations or exclusions. Cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Check your policy schedule carefully for inclusions and exclusions and limitations .Talk to a SMART business insurance broker on 1300 542 573 for more information.
enquiry@smartinsure.com.au
1300 542 573
Smart Business Insurance Offices:
Level 11, 484 St Kilda Road, Melbourne VIC 3004
Level 3, 9-11 Claremont Street, South Yarra VIC 3141
Business Hours:
Monday – Friday 8.45 am – 5.30 pm AEST
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