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Cafe insurance costs

Published: 22 August 2014

There are a range of factors that will affect the cost of insuring your cafe.

The first big factor is the level of cover you require, whilst the second set of factors have more to do with your individual cafe.

This guide will look at each of these factors in more detail, allowing you to get a better understanding of how much you should be paying.

Your individual cafe

There are a number of factors relating to your cafe which will affect the cost of your business insurance.

As with any business, one of the major factors will be your annual revenue. In some cases the number of staff employed can also affect the premium.

Other factors that may be taken into account include the following:

  • Number of people your venue sits
  • If your cafe is licensed and/or offers BYO
  • If your cafe does deep frying, and if so the size of your fryer

If you are also insuring your property, and not just taking out basic cafe public liability, the construction type of your cafe may also come into play.

The level of cover required

The other major factor affecting the cost of insuring your cafe is the level of cover you require.

If you are taking the bare minimum insurance for a cafe, which generally only includes public liability and glass cover, your insurance will be quite inexpensive.

In this case we could be talking well under one thousand dollars.

This will leave you with a very minimal level of protection however, so it is recommended that you look at additional forms of cover.

The cost will increase as you add addition cover for your contents and stock, as well as coverage for deterioration of food.

Although going with this additional coverage will cost more, we are only talking about a total cost of no more than a few thousand dollars.

Given the amount of time and money invested into your cafe, spending a few thousand on protecting it properly should be seen as money well spent.

You can go even further with more comprehensive cover, including options such as machinery breakdown and business interruption insurance.

There options will increase the cost of your insurance again, but may be worthwhile depending on your personal situation.

Essentially the more comprehensive you would like your cover to be, the more it's going to cost you.

The trick is finding a happy medium where you are comfortable with both the level of protection offered and the cost of that cover.

More information

To get a more accurate idea of how much cafe insurance costs we recommend speaking with an expert.

By completing our cafe quote request form we will be able to arrange quotes for you.

If you would prefer to speak with an insurance expert first, complete our online contact form and we'll have an expert contact you for a chat.


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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