Food & Beverage
Food & Beverage
The food and beverage industry is fast-paced, customer-facing, and full of operational challenges. From restaurants and cafés to food manufacturers, distributors, and catering services, businesses in this space need protection from public liability, equipment breakdown, product recalls, and stock loss due to spoilage or contamination.
At Angelic Insurance, we provide general advice to help you explore cover options such as public liability, product liability, property damage, equipment cover, and business interruption. We compare policies from a panel of trusted Australian insurers so you can find coverage aligned with your service model, location, and operational risk.
Whether you run a boutique food truck, a commercial kitchen, or a national beverage brand, we support your ability to serve customers with confidence while managing compliance and insurance obligations.
Why Choose Angelic Insurance?
Food and beverage businesses require reliable protection for their premises, staff, and supply chains. Here’s how Angelic Insurance delivers tailored, industry-aware support:
Cover Comparisons Across All Business Models
We assist restaurants, bars, cafés, manufacturers, wholesalers, and food delivery providers in reviewing cover that fits their risk profile.
Protection for Customer Liability and Product Risks
Public and product liability insurance options can help protect you from legal claims related to allergic reactions, contamination, or injuries on-site.
Property, Equipment, and Stock Cover
We help you explore options for cover that protects refrigeration units, cooking appliances, POS systems, and perishable inventory from fire, flood, or equipment failure.
Business Interruption Awareness
Downtime due to fires, outages, or major equipment issues can mean lost income. Business interruption cover helps bridge the gap while you recover.
Nationwide Broker Support
Whether you’re in a city laneway or a regional town, our brokers help food and beverage businesses across Australia navigate insurance with speed and clarity.
Industry Challenges
Food and beverage operators work in high-pressure environments where a single incident can have serious financial consequences. Without the right insurance, you may face:
Customer Injury or Illness Claims
Food poisoning, burns, slips, or allergic reactions can lead to claims that impact your finances and reputation.
Equipment Failure or Stock Loss
Cold storage breakdowns can lead to spoiled goods and health compliance issues. Insurance can help cover these losses and prevent revenue disruption.
Fires, Theft, or Natural Disasters
Kitchens and retail spaces are vulnerable to fires and weather damage. Property and contents insurance helps you recover and rebuild faster.
Staff Incidents or Employment Claims
Uninsured staff injuries or workplace disputes can result in fines or claims. Additional cover may be needed to protect your team and your business.
Council or Landlord Compliance
Many commercial leases require valid insurance, including public liability and property cover. Without it, you may face eviction or contractual penalties.
Frequently Asked Questions
Coverage includes restaurants, manufacturing facilities, and supply chains.
Yes, Product Liability Insurance is included.
Yes, contamination and spoilage coverage is available.
Yes, Machinery Breakdown Insurance applies.
Yes, through Workers' Compensation Insurance.
Yes, Public Liability Insurance covers such claims.
Yes, commercial vehicle insurance is offered.
Angelic Insights
