Cafés and Restaurants – Refined Group Australia | Business Insurance & Financial Serviecs

Insurance covers for coffee shops, catering companies, and restaurants.

Give us a call to get covered, or get a quote for Public Liability Insurance online.

Why does your cafe business needs insurance?

Operating a café or restaurant requires significant investment and effort, and it's important to protect that investment with insurance. There are various risks and hazards that these businesses face, such as equipment breakdown, injuries to customers or suppliers, and other unforeseen events. Business insurance can provide protection for your assets and hard work, including coverage for property damage, loss of income, and liability. Consider investing in a comprehensive Business Insurance Pack to safeguard your café or restaurant.

The option to pay by the month is available at no additional charge. You have the flexibility to choose either a monthly or annual payment plan, whichever best fits your cash flow needs.

Covers for cafés and restaurants

Our Business Insurance Pack is tailored to meet the needs of various types of food service businesses, from small cafes to busy restaurants. The policy offers a comprehensive range of coverage options that can be easily managed and customised to fit the specific needs of your business. Some of the coverage options that café and restaurant owners may want to consider include: property damage, loss of income, liability, and equipment breakdown.
Public Liability coverage is a great starting point for any business, and it can be further customized with additional coverage options that are tailored to the specific needs of your business. This allows you to choose the right level of protection to safeguard your business.

Public Liability Insurance

Accidents can happen in any business, and food service businesses such as cafes and restaurants are no exception. Things like a waiter spilling coffee on a customer’s laptop, or a supplier tripping on a mat, can lead to costly legal claims. Public Liability Insurance, also known as Public and Products Liability Insurance, can provide protection for your business in case a member of the public is injured or their property is damaged on your premises or as a result of using your products or services. This coverage includes compensation for legal liability, and reasonable legal fees. Public Liability Insurance is automatically included in our Business Insurance Pack when you quote online. If you want a quote without Public Liability coverage, you can contact our specialist Business team on (08) 6374 2226.

Machinery Breakdown Insurance

As a hospitality business, you rely on costly equipment such as ovens, coffee machines, and cooktops to operate. If this machinery breaks down, the cost of repairs can be significant. Our Machinery Breakdown Insurance can provide coverage for repair or replacement of your machinery in the event of a breakdown. An additional option for coverage of deterioration of stock is also available at an additional cost. Additionally, the insurance includes the cost of hiring temporary machinery while your regular machinery is being repaired or replaced. Please note that in order to add Machinery Breakdown coverage to your Business Insurance Pack, you must purchase Commercial Property coverage. Machinery Breakdown coverage is not available online. To obtain Commercial Property coverage with Machinery Breakdown coverage, please contact our specialist Business team on (08) 6374 2226.

Glass Insurance

As a café or restaurant, you may have glass windows, doors, display cases, or shelves that are at risk of accidental breakage. Our Glass Insurance is designed to cover the cost of replacing and fixing broken glass, including the repair or replacement of signwriting and fittings surrounding the windows, as well as damage to illuminated or advertising signs or stock damage caused by the broken glass. Additionally, if the security of your business premises is compromised due to glass breakage, the Glass Insurance can also cover the cost of hiring security guards to protect your business and carrying out temporary repairs if necessary.

Before you buy

If you rent the premises for your coffee shop or restaurant, your lease may specify the minimum amount of public liability cover you’re required to have – check before you buy.

Your lease or landlord may also specify a minimum amount of glass cover.

Get a quote online for Public Liability Insurance.
For more cover options, call (08) 6374 2226 to speak with a consultant.

This is a limited summary of some of our Business Insurance Pack covers only. Terms, conditions, limits and exclusions apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) & PDS update (privacy notice) which are available on this website.

Workers compensation

Workers’ Compensation Insurance is mandatory for all businesses that have employees in Australia. Our Workers’ Compensation Insurance can provide coverage for your employees in case of a workplace accident. We will assist your business throughout the claims management process. Please note that Workers’ Compensation Insurance is not included in our Business Insurance Pack and will need to be purchased as an additional policy.

Ready to get started?

Give us a call to get covered, or get a quote online for Public Liability Insurance. For a quote without Public Liability cover, contact our specialist Business team on

Cover options

Award-winning claims team^

Make a claim online 24/7 or find a number for your claims category to lodge a claim over the phone

Specialist Business experts

Our experts can help you arrange your Business Insurance. Call 1300 131 000 to speak to a Business specialist now

Instant Certificate of Currency

Your proof of insurance, Certificate of Currency (COC), will be emailed to you instantly after purchase.