Restaurant Business Insurance Quotes

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Restaurant Business Insurance Quotes*

If you are looking for insurance for your restaurant you may have come to the SMART place. Our team of friendly brokers are here to make it easy for you to find suitable cover for your restaurant business risks. Simply call us on 1300 542 573 or enquire online.

Do restaurants need public liability insurance?

It is essential that restaurant owners take out public liability cover. Public Liability is the core insurance cover for most small businesses in Australia ; including restaurants. Public liability insurance cover can protect restaurant owners from damages resulting from injuries to patrons from slips, falls and breakages. The risks are greater with multi-level restaurants and restaurants with hard to access bathroom facilities.

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

Restaurant owners can access many BIG name insurers AND
industry specific underwriters here.*

Small business owners QUESTIONS regarding
Restaurant Business Insurance ANSWERED:*

In addition to public liability, restaurant business insurance can cover all or some of the risks below.



For more information on what it can cover, equirements and costs please TALK to one of our helpful restaurant insurance brokers on 1300 542 573 or contact us online.

So how much will restaurant insurance cost you monthly?

Restaurant business insurance per month, including all fees , starts from approximately $110 per month for a small restaurant.

The cost of restaurant business insurance will vary significantly and most restaurants will pay a little or lot more per month to cover their business suitably.

Our helpful business insurance brokers may be able to help you find suitable and affordable insurance for your restaurant.

Depending on the covers you select whether you have a small restaurant or a large one, whether you have deep fryers and the size of the deep fryers , the level of fit out of your restaurant, your level of security , your claims experience and location certain insurance companies may offer better terms. Our specialist brokers will obtain multiple quotes on suitable insurance policies that you can pay monthly for your from leading insurance companies such as VeroZurich and AIG.

Whether you are in Perth, Victoria or anywhere in between in Australia, if you want more information on restaurant 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 restaurant.

There are approximately 8,500 restaurant businesses employing over 65,000 people in Australia.

The business of restaurants has made a decent comeback in Australia after the GFC.

Casual dining has largely relaced fine dining and even many premium restaurants are a lot more casual in their plate servings and service.

Today Asian influenced restaurants have become the norm. What was exotic a few years ago is regular fare for this generation. European inspired cuisine is now almost regraded as traditional .

Arabic, Mexican and African restaurants are more prevalent on the scene as is Asian hipster food, while more and more Australian restaurants create a fusion of flavours.

The produce in Australia, with its high quality seafood, meats, vegetable and fruit allows local restaurateurs to reshape recipes from their youth to create a true Australian taste.

While the BYO restaurant still exits- alcohol consumption can account for are large portion of restaurant profitability.

Where are the best restaurants in Australia found?

AdelaideBrisbane , CanberraMelbourneBrisbane ,SydneyPerthHobart or one of the smaller “foodie towns”? Tell us which city or town you think has the best restaurants and the food in this town is so good.

  • We may act for you – the restaurant owner – 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!

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 Business Insurance Coverage for your Restaurant?
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.*

Get a Quote

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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.