Cafe Insurance
Protect your business with the right cover, from espresso machines to public liability.
100%
Australian Owned
Direct
Broker Access
National
Cover
Recognition
Access to Australia's leading insurers and underwriting agencies, including:
Owning a cafe comes with multiple risks, including equipment breakdowns, property damage, or even unexpected closures. Protecting your physical assets is crucial for keeping your business running without disruption.
Core Protection
Commercial Property Cover is a key part of Cafe Insurance, designed to protect the assets that matter most. Whether it is your shopfront or your espresso machine, we help you secure the right cover.
Business Resilience
Having the right insurance helps you recover from accidents or extreme weather without facing significant financial setbacks. We find cover that actually fits your specific setup.
PROTECTION ARCHITECTURE
How does Commercial Property Cover protect your cafe?
Commercial Property Cover typically protects the physical parts of your business, including:
If you own your cafe's building, this covers repairs or rebuilding after events like fires, storms, or vandalism. For leased spaces, it can cover tenant improvements, such as custom fit-outs.
From coffee machines to tables and chairs, this protects the tools you rely on daily to serve your customers.
Cover for perishable goods, such as coffee beans, milk, or baked goods, if they are damaged due to covered events, like a power outage or flood.
Outdoor signs, awnings, or glass shopfronts can be included. This is often crucial for cafes relying on street appeal to attract patrons.
If damage forces you to close temporarily, this covers lost gross profit and ongoing operating costs during repairs, helping you pay staff and rent while you're offline.
ELIGIBILITY
Who should consider Cafe Insurance?
Whether you are a solo operator or expanding your coffee empire, protecting your assets is a fundamental business step.
Cafe Owners: Solo proprietors or large cafe businesses needing protection for physical assets and liabilities.
Leaseholders: Tenants responsible for their own fit-outs, equipment, and contents, as landlord insurance typically only covers the building structure.
New Business Owners: Protecting your initial investment from day one against equipment breakdowns or property damage.
Mobile & Pop-Up Cafes: Cover for coffee vans or market stalls where equipment and stock remain valuable despite the lack of a fixed location.
Expanding or Renovating: Protecting against increased risks during construction or when adding new assets like outdoor seating.
Cafe Owners: Solo proprietors or large cafe businesses needing protection for physical assets and liabilities.
Leaseholders: Tenants responsible for their own fit-outs, equipment, and contents, as landlord insurance typically only covers the building structure.
New Business Owners: Protecting your initial investment from day one against equipment breakdowns or property damage.
Mobile & Pop-Up Cafes: Cover for coffee vans or market stalls where equipment and stock remain valuable despite the lack of a fixed location.
Expanding or Renovating: Protecting against increased risks during construction or when adding new assets like outdoor seating.
RISK ANALYSIS
How Cafe Insurance helps in real-world scenarios
With rising property costs and unpredictable weather, having a robust policy in place is more important than ever.
A burst water pipe floods your cafe, damaging flooring and furniture. Cover can pay for repairs and replacements.
A fire breaks out in the kitchen, halting operations. Your policy could cover lost income while you rebuild.
Vandals smash your shopfront windows. Cover can handle the cost of new glass and signage.
A burst water pipe floods your cafe, damaging flooring and furniture. Cover can pay for repairs and replacements.
A fire breaks out in the kitchen, halting operations. Your policy could cover lost income while you rebuild.
Vandals smash your shopfront windows. Cover can handle the cost of new glass and signage.
KNOWLEDGE BASE
FAQ about Cafe Insurance
Get a quote for your cafe
Call us on 02 9000 1155 or request a quote online. We will find the right cover for your specific setup, from local coffee shops to national chains.