CAFÉ INSURANCE BROKERS
Coverage tailored for cafés, coffee shops and hospitality venues.
Call Us: 1300 900 207
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Complete the form to request a FREE QUOTE. Call us at 1300 900 207 for immediate response.
Cover Built Around How Your Café Actually Runs
Cafés operate in a fast-paced environment built around food, coffee, equipment and constant customer movement. High foot traffic, hot beverages, refrigeration and daily food preparation mean a single incident can disrupt trade and create real financial pressure.
Coverscope works with your fit-out, stock, equipment and trading model, whether you’re a fixed espresso bar, a multi-site group, or a mobile coffee van, to build cover that actually fits.
What Does Café Insurance Cover?
- Public and Products Liability: Covers a customer injured on-site, or a claim linked to food or drink you’ve served.
- Contents and Stock: Covers espresso machines, grinders, refrigeration, display cabinets and perishable stock.
- Property: Covers your fit-out and fixed equipment, and the building itself if you own it.
- Business Interruption: Replaces lost income and ongoing costs if an insured event forces you to close.
- Machinery and Equipment Breakdown: Covers repair or replacement if an espresso machine, fridge or oven fails, including resulting stock spoilage.
- Theft, Glass and Portable Equipment: Covers stolen contents, broken glass, and portable items like tablets and payment devices.
Who Should Consider Café Insurance?
- Independent cafés and espresso bars
- Coffee shops with indoor or outdoor dining
- Brunch cafés and casual dining venues
- Coffee kiosks, market-stall cafés and food-court stores
- Coffee roasters with a retail presence
- Mobile coffee vans or pop-up coffee operators
- Multi-site café groups
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Mobile Coffee Vans Need Their Own Cover
A standard shopfront café policy is built around a fixed address, and it often doesn’t extend to a coffee van, market trailer, or off-site catering equipment. If your business includes a mobile or pop-up component alongside, or instead of, a fixed premises, that needs to be specifically arranged rather than assumed to be included.
Your Lease Likely Requires Proof Of Public Liability
Most café leases make public liability cover a condition of tenancy, commercial landlords generally won’t hand over the keys without evidence of it. The specific limit required comes from your lease agreement, not a general industry standard, so it’s worth checking the lease directly rather than assuming a default policy limit will satisfy it.
Employee Injuries Sit Under Workers Compensation, Not Public Liability
Public liability responds to a customer or visitor injured on your premises. If a barista or kitchen hand is injured on the job, that’s a workers compensation matter instead, compulsory once you employ staff. The two covers respond to different people, not different versions of the same claim.
Equipment Breakdown Extends To The Stock It Ruins
A failed fridge or freezer doesn’t just cost you the repair, it can spoil everything inside it. Equipment breakdown cover for a café typically responds to both the mechanical failure and the resulting spoiled stock, milk, perishable food, cold-storage inventory, rather than just the machine itself.
Your Trusted Café Business Insurance Partners, Wherever You Are
For immediate response please give us a call.
Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.
Get a FREE QUOTE
Complete the form to request a FREE QUOTE. Call us at 1300 900 207 for immediate response.
Café Insurance Cover Types Explained
Public and Products Liability
Protects your business if a customer or visitor is injured or their property is damaged, slip hazards, hot beverage incidents, or claims related to food and drink served by your café.
Contents and Stock
Covers the equipment and stock your café depends on, espresso machines, grinders, refrigeration, display cabinets, POS systems, fixtures and perishable stock, against fire, storm or accidental impact.
Property
Protects the café premises, fit-out and fixed equipment. If you own the building, this covers the physical structure. As a tenant, it can include the fit-out, floor coverings, custom installations and fixed equipment.
Business Interruption
If an insured event forces you to close, this section protects your income and ongoing costs. Café operations depend heavily on equipment, so even a short closure can affect revenue.
Machinery and Equipment Breakdown
Cafés rely on specialist equipment, espresso machines, refrigeration, dishwashers, ovens and hot water systems. This cover helps repair or replace damaged equipment and can extend to stock spoilage caused by the breakdown.
Theft, Glass and Portable Equipment
Covers theft of equipment or contents, accidental breakage of internal or external glass, and loss or damage to portable items such as tablets, payment devices and mobile tools of trade.
Mobile and Off-Site Equipment
Extends cover to a coffee van, market trailer, or equipment used off-site at events and markets, separate from what a standard shopfront policy responds to.
What's Not Covered By Café Insurance?
- Employee Injuries: Staff injuries sit under Workers Compensation, not public liability.
- Wear and Tear: Gradual deterioration of equipment or fit-out from normal use.
- Mobile Equipment Under A Shopfront-Only Policy: A coffee van or off-site catering gear generally isn’t covered unless specifically extended.
- Undeclared Menu Changes: New food or beverage offerings not disclosed to your insurer when the policy was arranged.
- Unsecured Premises Theft: Stock or cash stolen as a result of doors or windows left unlocked.
Does café insurance cover food poisoning claims?
Yes, this sits under Products Liability, which responds to a claim that a customer became unwell from something you served.
How much does café insurance cost?
Cost depends on your fit-out value, equipment, turnover, cover options and whether you operate from fixed premises, a mobile van, or both. Typically ranges from $900 to $5,000 per year.
Get in Touch
Simply fill in the form below and we’ll be in touch shortly, or feel free to call and tell us about your specific requirements.
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Suite 10B, Level 10, 2 Corporate Court, Bundall QLD 4217
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PO Box 7005, Mount Crosby QLD 4306
Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.
Please complete the form to submit an enquiry.
