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Cafe Insurance Quotes

Published: 16 September 2013

Whether you're buying or starting a cafe, or simply reviewing your existing cafe insurance, it's always important to get quotes.

There can be major savings to be made on business insurance by shopping around, and here at CafeCover we can help you with exactly that.

In this guide we'll run through the important factors to consider when obtaining and comparing cafe insurance quotes.

Obtaining quotes

There are a number of different ways to obtain quotes on your insurance.

Naturally we're biased to using the CafeCover process, but we'll take a look at the alternatives first.

Going direct

Firstly you could contact the insurance companies yourself. This can be done via their websites or their call centres.

Whilst this method is fairly straightforward, it's important to remember that the call centre operators are generally not qualified insurance brokers.

This means that by law they can only provide you with the facts rather than being able to give personalised advice and recommendations on your insurance needs.

Another downside is that it can be quite time consuming if you plan on obtaining quotes from a number of different insurance companies in order to make a comparison.

Insurance brokers

The next option is to use an insurance broker. Traditionally this has been the most popular option amongst cafe and other small business owners.

There is no surprise that this is a popular option, as a good insurance broker will be able to get a better understanding of your cafe and the potential risks that need to be covered.

Your broker can also do all of the shopping around for you, using their experience and their industry contacts to find the most competitive premiums for you.

Potential disadvantages to using a broker include the fact that some will charge additional fees for their service. It's important to check this fee to ensure you're not being overcharged.

Additional fees charged by brokers aren't always a bad thing, especially if they've been able to save you a bundle on premiums, but just check to ensure the fee isn't excessive.

Another potential disadvantage is that some brokers are still stuck in the past and will only deal with you in person. This can be very inconvenient, especially when you're so busy running your cafe.

The CafeCover way

And that brings us to the CafeCover way of doing things.

We give you the convenience of being able to enter your details online at any time that suits you, and only having to enter it once rather than on multiple insurer's websites.

Once we have received your details we will pass them to one of our insurance brokers who have experience with looking after cafe businesses.

The broker will analyse your needs and contact you if they require more information, before going to the market and seeking the best quotes on suitable cover for your business.

We see this as offering the best of both worlds. You get the convenience of an online business, combined with the security of using a qualified and licensed insurance broker who has experience with the hospitality industry.

Comparing quotes

Once you have your quotes it is important to do a proper comparison of the quotes.

If you are using a broker, they will be able to perform the comparison for you. You may still wish to compare quotes provided by different brokers though.

The main thing here is to ensure you are comparing quotes for similar cover.

You may have one quote that is double the price of the other quote, but if the cheaper one is only providing half the level of protection then it's not a fair comparison.

It's important to check that all quotes offer the exact same levels of cover along with the same policy options. This is especially important if one of the quotes includes full flood cover.

If you don't feel completely confident in comparing the policy wordings of each policy, which can be quite technical, then it may be better to let a professional (such as a broker) do it for you.

Pricing factors

There are many things that will affect the cost of insurance for your cafe.

Some of the major factors include the types of cover and levels of cover that you require, along with the size of your cafe and the types of activities undertaken.

For example a small cafe only serving coffees and basic food will have a much lower quote than a large cafe which holds a liquor licence and houses a large kitchen with deep frying facilities.

More information

If you're ready to obtain quotes for your business, we believe the best option is to request one via our online cafe insurance quote request form.

Alternatively you can use our online contact form to get in touch with one of our specialists.

Obtaining quotes for your insurance is easy, but just remember to compare apples with apples and ensure that the cover is right for you and your cafe.


Australia Wide Service

We can assist cafe owners and operators throughout Australia.

Wherever your cafe is located, our team can assist you via your preferred contact method.

Expert Service & Advice

Our network of insurance advisers and brokers specialise in small business.

They know the risks that cafe owners face, and they know how to get the right insurance in place for you and your business.

Personal Protection

We understand that whilst it's important to protect your business, you also have to protect yourself.

That's why our team also consists of a personal risk specialist who can help you with cover including income protection and life insurance.

New Cafe Specialists

One of our areas of expertise is helping new cafes and first-time owners.

Business insurance can be daunting if this is your first business, but our team can help you through the process to make it as easy as possible.

Get a Quote!

Want to know how much insurance is going to cost your business?

Simply get in contact with us or complete our online quote request to receive quotes on your cafe insurance needs.

The CafeCover website is for information purposes only and to link cafe owners with insurance professionals who assist with quotes and service.

We do not hold an Australian Financial Services Licence (AFSL) and are not licensed to provide insurance products, however the insurance professionals we partner with are. For more information please refer to our terms of use.

The contents of this website is general in nature and has not been prepared with your personal circumstances in mind. Before making any decisions relating to your insurance you should first seek advice from a qualified and licenced insurance professional. You must not make any decisions based solely on the contents of this website.

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