Norwest NSW
Kitchen Equipment Insurance
When a commercial oven or fridge dies mid-service, it isn't just a repair bill. It's lost trade, cancelled bookings and spoiled stock.
Kitchen equipment and breakdown insurance covers the repair or replacement of commercial kitchen gear after sudden mechanical or electrical failure, and often accidental damage as well.
What it can cover
- Ovens, grills, fryers and cooktops
- Fridges, freezers and cool rooms
- Dishwashers and glasswashers
- Exhaust hoods and fans
- Mixers, slicers and small appliances
What it can include
- Electrical and mechanical breakdown
- Power surge damage
- Accidental damage
- Food spoilage and lost income, as extensions
What it usually doesn't cover
- Normal wear and tear
- Poor maintenance
- Items still under manufacturer warranty
- Cosmetic damage
- Insurers often ask for servicing records. Keep your invoices.
Case study
An example
A cafe's commercial dishwasher fails during a Saturday lunch rush. The repair needs a new motor and control board. Equipment breakdown cover pays for the repair, less the excess, and the cafe is back to trading in two days.
Illustrative example only. Cover depends on your policy wording.
Contact us
To quote, we'll ask about:
We're based at Suite 2.02, 2-8 Brookhollow Ave, Norwest NSW. 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.
Kitchen equipment insurance FAQs
Usually not. It's a separate section or extension.
Some insurers limit cover by age. Tell us how old your gear is.
Sometimes. Check your lease or hire agreement and tell us.