Norwest NSW
Commercial Kitchen Insurance
A commercial kitchen is hard work, hot and full of risk. Heat, oil, gas, electrics, wet floors and a lot of expensive gear. If something goes wrong, it goes wrong fast.
Commercial kitchen insurance puts the right covers together for food businesses: restaurants, cafés, takeaways, caterers, bakeries and commissary kitchens.
What a good kitchen policy looks at
Equipment
Ovens, fryers, fridges, exhaust hoods, coolrooms and small appliances.
Learn moreStock spoilage
Food lost when a fridge or power fails.
Learn moreFire
Including exhaust and flue fires and grease build-up.
Learn morePublic liability
A customer slips or gets sick.
Learn moreBusiness interruption
Lost income while you're shut.
Learn moreGlass and signage
Breakage to glass and business signage.
Learn moreStaff injuries
Workers compensation for staff, which sits separately.
Learn more
Insurers will ask about
Good housekeeping can reduce premiums and avoid a declined claim.
- Whether your exhaust system is cleaned regularly, and the records
- Fire suppression systems
- Gas and electrical compliance
- Whether you cook with solid fuel (wood fired, charcoal)
Case study
An example
A coolroom compressor fails overnight in a restaurant. By morning, $9,000 of meat, seafood and dairy has to be thrown out, and the kitchen can't operate. With stock spoilage cover, the stock can be claimed. With business interruption cover, the lost trading during the repair may be covered too. Without those, the owner is paying for repairs and restocking out of pocket.
Illustrative example only. Cover depends on your policy wording.
Contact us
To get a proper quote, we'll need to know:
We work with restaurants and food businesses across Norwest and greater Sydney. Call 02 8660 2305 or email admin@idealbrokers.com.au.
Ideal Insurance Brokers, Norwest NSW 2153. Ideal Brokers Pty Ltd (CAR No. 001262504 | ABN 65 623 205 952) is a Corporate Authorised Representative of Metrix Connect Pty Ltd ACN 635 286 136 as the trustee for the Metrix Connect Hybrid Trust ABN 55 742 327 931 | AFSL No. 525491. This page contains general information only and does not take into account your objectives, financial situation or needs. Read the Product Disclosure Statement before buying.
Commercial kitchen insurance FAQs
Only if it's been added. It's often an extension, and some policies need the failure to come from an insured cause.
Usually yes, but insurers may require cleaning records. Keep your service invoices.
Tell us upfront. Some insurers restrict or decline it, others will cover with conditions.
Yes. The risks are the same, even if there's no dining room.