RESTAURANT INSURANCE AUSTRALIA
Protect Your Restaurant.
Protect Your Livelihood.
Total Serve With Confidence.
Specialist insurance solutions for restaurants, dining venues, takeaway businesses, bars and licensed hospitality operators across Australia.
- Cover for your venue, customers, kitchen equipment and stock
- Options for food liability, liquor risks, spoilage and interruption
- Claims support to help you reopen and keep serving
Request an insurance quote
Our Clients Say
Trusted by Businesses Australia-Wide
Restaurant Business Cover
Built Around Your Venue
Flexible Cover Options
From Established Insurers
Fast & Easy Claims
We're Here to Help
Australian Owned
Local Experts
ABOUT RESTAURANT INSURANCE
Built for Busy Restaurants.
Designed Around Your Risks.
Running a restaurant brings together customers, staff, food preparation, valuable kitchen equipment, perishable stock and, for licensed venues, alcohol service. ABS helps arrange tailored restaurant insurance for property and fit-out, public and products liability, machinery breakdown, refrigerated stock, glass, theft and interruption to trading—subject to insurer terms.
- For restaurants, bistros, takeaway venues, bars & dining groups
- Protect customers, premises, kitchen equipment, stock & income
- Flexible cover options to suit your project size and scope
- Access to established Australian insurers
WHAT CAN RESTAURANT INSURANCE COVER?
Practical Cover for Your Restaurant Business
Public & Products Liability
Can respond to claims alleging customer injury, third-party property damage, food poisoning or allergic reactions arising from restaurant operations, subject to the policy.
Property, Contents & Fit-Out
Can protect an owned building, leasehold fit-out, furniture, POS systems, kitchen equipment, stock and contents against selected events such as fire, storm, impact and malicious damage.
Machinery Breakdown & Spoilage
Options may cover sudden mechanical or electrical breakdown of cool rooms, refrigerators, freezers, ovens, dishwashers and other insured equipment, plus resulting refrigerated stock loss.
Business Interruption
May cover lost gross profit and increased operating costs when an insured property event prevents your restaurant from trading, subject to the selected indemnity period and limits.
Glass, Theft & Money
Can cover accidental breakage of shopfront or internal glass and signage, theft following forcible entry, resulting premises damage, and insured money at the premises or in transit.
Liquor, Cyber & Employee Risks
Depending on your operation, liquor-related liability, cyber insurance, management liability, commercial motor and workers compensation may also need to be considered. Workers compensation is arranged separately.
WHY CHOOSE ABS FOR RESTAURANT INSURANCE
Why Restaurant Owners Choose ABS
Specialist Expertise
We understand restaurant and hospitality risks
Customised Policies
Cover matched to your venue and operations
Strong Insurer Relationships
Options from established Australian insurers
Personalised Service
Clear advice and claims support
Local Knowledge
Local service for restaurants across Australia
Let's Protect Your Restaurant Business
Get a free, no-obligation quote today and build with confidence.
FREQUENTLY ASKED QUESTIONS
What insurance does a restaurant need?
A restaurant may need public and products liability, property and contents, leasehold fit-out, glass, theft, machinery breakdown, refrigerated stock deterioration and business interruption cover. Liquor-related liability, cyber, commercial motor, management liability and workers compensation may also be relevant depending on the venue, staff and services.
Does restaurant insurance cover food poisoning and customer injuries?
Public and products liability may respond to claims involving customer slips and falls, third-party property damage, food poisoning or allergic reactions caused by food or drinks you serve, subject to policy terms, exclusions and the selected liability limit. Employee injuries are generally handled separately through workers compensation.
Are kitchen equipment and refrigerated stock covered?
Machinery breakdown cover may protect insured cool rooms, refrigerators, freezers, ovens, dishwashers, ice machines and other kitchen equipment against sudden mechanical or electrical failure. Refrigerated stock deterioration can sometimes be included for food spoiled following an insured breakdown. Wear and tear and poor maintenance are generally excluded.
Does restaurant insurance cover business interruption?
Business interruption insurance may cover lost gross profit, ongoing expenses and additional operating costs when insured property damage prevents your restaurant from trading. The triggering event, gross profit sum insured, waiting period and indemnity period should be selected carefully because they determine how the cover responds.
Does a licensed restaurant need liquor liability cover?
Restaurants serving alcohol should disclose their liquor licence, trading hours, entertainment and security arrangements to the insurer. Some liability policies include or extend to alcohol-related incidents, while others apply conditions or exclusions. Your broker should confirm the wording matches your venue and responsible-service obligations.