Food & Beverage Insurance Australia – What Cafés and Restaurants Require
Food & Beverage Insurance Australia – What Cafés and Restaurants Require
Introduction
Running a café, restaurant, or food business is rewarding—but it comes with daily risks. From burns in the kitchen to supplier delays or spoiled inventory, unexpected events can disrupt service and income. That’s where food and beverage insurance steps in—to protect your operations, staff, and reputation.
Top Risks in the Food & Beverage Industry
Customer Accidents: Slips, allergic reactions, or food poisoning can lead to legal claims.
Fire & Kitchen Hazards: A fryer fire or gas leak can cause serious damage or shutdown.
Stock Loss: Spoilage due to power failure, contamination, or theft impacts revenue.
Business Interruptions: Events like lockdowns, renovations, or supplier issues stop trading.
Staff Injuries: Cuts, burns, and slips are common among kitchen and floor staff.
Must-Have Insurance Policies for Food Businesses
Public Liability Insurance: Covers injury or illness claims from customers or visitors.
Food Spoilage Cover: Protects perishable inventory from loss due to malfunction or power outage.
Fire & Property Damage Insurance: Covers your premises, fit-out, signage, and equipment.
Business Interruption Cover: Ensures income stability during temporary closures.
Workers Compensation: Essential for cafés and restaurants with staff.
Product Liability (Add-On): For claims related to food safety or contamination.
Who Should Be Covered?
Independent cafés and coffee shops
Full-service restaurants and franchises
Caterers and food trucks
Bakeries and patisseries
Juice bars, dessert shops, and delis
Why Angelic Insurance?
We tailor protection to the unique pace and pressure of Australia’s food service scene. Angelic’s coverage helps you serve with confidence—whether you're frying chips or crafting artisan pastries.
✅ Hospitality-specific insurance solutions
✅ Quick quote turnaround for busy operators
✅ Transparent, no-jargon general advice
Protect your plates, your people, and your peace of mind.
Important Notice & Disclaimer
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