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Coverages
NOT SURE?
Talk to our small business insurance specialists to find a tailored cover that works for you and your unique business needs.
GET INSTANT QUOTE
Coverages across 1000+ industries
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NOT SURE?
Talk to our small business insurance specialists to find a tailored cover that works for you and your unique business needs.
GET INSTANT QUOTE
Coverages across 1000+ industries
CHOOSE YOUR PATH
Select how you’d like to proceed with your insurance needs.
Schedule a Call Today
Talk to a real insurance expert on your time.
WHAT’S IN THIS STEP :
15-minutes consultation with licensed advisors
Perfect if you’re unsure about coverage needs
Get personalised recommendations
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Already have coverage? Let’s simplify your service
WHAT’S IN THIS STEP :
Keep your current carriers & policies
Simple digital authorisation process
Seamless transition to better service
INSURANCE FOR
Restaurants & Cafes
Insurance for Australian cafes and restaurants, combining public liability, products liability and protection for your business assets.
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Trusted by 60,000+ small business
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REASON
WHY
Restaurants & Cafes
NEED INSURANCE
Restaurants and cafes face daily risks, from customer slips to food incidents and equipment issues. Insurance helps protect your venue from claims, legal costs and unexpected setbacks so you can continue serving your community with confidence.
upcover is trusted by business owners like you
60,000+
Businesses
4.9/5
Customer Rating
40+
Insurance Partners
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WHO WE COVER
IT’S QUICK, IT’S EASY, IT’S UPCOVER
PRODUCTS
COVERAGE FOR
Restaurants & Cafes
Insurance tailored for Australian restaurants, cafes and hospitality venues.
Business Pack
Can include glass, business interruption, theft, contents.
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Management Liability
Covers claims arising from management decisions & workplace issues
Cyber & Technology Insurance
Covers claims arising from cyber events or breaches
Personal Accident
Covers income loss from injury/illness preventing work
RISKS
KEY INDUSTRY RISKS
Key factors that could impact restaurants and cafes
Equipment Breakdowns
Coffee machines, ovens or fridges can fail unexpectedly, causing service delays and costly stock loss.
Slip and Trip Hazards
Busy service areas, spilled drinks and crowded floors increase the chance of serious customer injuries.
Food Handling and Contamination
Incorrect storage or preparation can cause food poisoning, spoilage or unexpected customer illness.
Cyber and Payment Risks
Hacks, EFTPOS outages and stolen customer data can disrupt business operations and damage trust.
Staff and Employment Issues
Roster disputes, unfair dismissal claims or Work Health and Safety incidents can lead to management related legal claims.
CLAIMS EXAMPLES
Restaurants & Cafes
CLAIM EXAMPLES
Real-world examples of how the coverage helps protect restaurants and cafes
SCENARIO
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT’S COVERED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
SCENARIO
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT’S COVERED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
SCENARIO
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT’S COVERED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
WHAT WE OFFER
WHY BUSINESSES CHOOSE UPCOVER
Simple business insurance with fast quotes, flexible policies, and expert support.
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Smart Digital Process
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Direct Market Access
Tailored Coverage
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Specialist Team
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Value Without Shortcut
Our Partners
FAQ
Restaurants & Cafes
INSURANCE FAQs
BLOGS
FROM OUR BLOG
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Level 8, 11 York Street, Sydney
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PHONE
Speak with our specialist, everyday from 9am - 9pm.
1300 872 683
EMAIL US
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hello@upcover.com
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