Restaurant Insurance Brokers Sydney

Most hospitality operators consider Public & Products Liability, Commercial Property (Fit-Out & Equipment), Business Interruption, and Machinery Breakdown essential. The exact priority depends on whether you lease your venue, the replacement cost of your cookline, and your exposure to forced closures.

Products Liability Insurance can provide financial protection against third-party compensation claims alleging food-borne illness, allergic reactions, or foreign objects in food supplied by your restaurant, subject to policy terms and exclusions. Stock spoilage cover also protects against ruined perishable ingredients.

Yes. Physical damage from insured events like fire, storm, or burst pipes is covered under Commercial Property and Contents. For mechanical or electrical failures (such as compressor burnout on a coolroom or combi oven electronics), Machinery Breakdown cover can be added to fund urgent repairs.

Yes. Business Interruption Insurance is specifically designed to cover lost gross profit and pay ongoing fixed commitments like commercial rent, staff wages, supplier accounts, and loan repayments while your restaurant is closed for repairs following an insured event.

Yes. Even when leasing, the building owner only insures their bare building structure. As the tenant, you remain legally and financially responsible for your interior fit-out, kitchen equipment, stock, employees, customers, and plate glass, as well as satisfying landlord lease covenants.

Yes. We strongly advise arranging insurance before you receive the keys to commence fit-out. Fit-out contractors, trades, and landlords will require proof of cover before entering the site, and newly delivered kitchen appliances require immediate fire and theft protection.