No two days are quite the same when running a restaurant or café. But while you may be prepared for expected challenges—ingredient shortages, broken dishes, the dinner rush—it’s the unexpected that really puts you in the hot seat.

Take this real-life example* from an Australian sushi shop:

When a vehicle crashed into a shopping centre, the sushi shop trading inside sustained damage to its kitchen, storeroom, and dining area. The shop was out more than just damaged stock and equipment—the accident also forced them to temporarily shut until appropriate repairs were made.

Incidents like these are potentially crippling to hospitality businesses. The cost of replacing stock and equipment can be expensive, particularly as inflation continues to rise. Then there’s the financial hit you take every day your restaurant or café cannot trade.

But that’s where Business Insurance can play an essential role in helping hospitality businesses manage many unplanned bills.

What is business insurance?

Business insurance is an insurance package designed to provide cover for your business contents, stock, tools, and commercial premises when an insured event occurs (such as fire, storm, theft, or even accidental damage).

For the hospitality industry, business insurance can be a convenient way to protect businesses from multiple risks with a single policy. These customisable policies allow restaurant and café owners to choose cover that fits their needs. It’s an easy way to combine public liability insurance with cover for equipment damage, unplanned business interruptions, tax audits, and much more.

In the example above, the sushi shop’s owner was able to make a claim under their business insurance policy. The insurer paid $18,837 under the contents* section of the policy and another $1,583 for business interruption*.

Protect your hospitality business today

Running a restaurant or café can be dramatic, but finding business insurance doesn’t have to be. BizCover makes protecting your hospitality business a sweet experience—just answer some questions, compare quotes, and get covered instantly. No paperwork, no dramas!

Visit to switch and save on business insurance, public liability insurance and more.

*The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Coverage for claims on the policy will be determined by the insurer, not BizCover.

†This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.

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