Cafe & Hospitality Insurance

Complete cover for cafes, restaurants and coffee shops: public liability, your venue, your gear and lost income, in one package.

What it covers

Public liability, property, contents and business interruption in one package.

Public Liability

Cover for injury or damage to customers and the public.

Property & Contents

Cover for your fit-out, equipment and stock.

Business Interruption

Cover for lost income if you are forced to close.

Glass & Spoilage

Options for glass breakage and food spoilage cover.

how it works

Tell Us What You Need

Answer a few quick questions about your business situation. No jargon, just the basics.

Get Expert Advice

Our licensed advisors review your info and recommend tailored insurance solutions,explained in plain English

Choose Your Cover

Review your options, ask questions, and select the plan that fits. Once you’re happy, we’ll handle the paperwork and get you covered.

Why Business Owners Choose Cover Quest

More than just insurance, it’s expert protection built around your business.

Trusted by Small Businesses Nationwide
We match cover to how and where you work.
Fast, Hassle & Free Quotes

Quick, no-fuss process, no jargon, no stress.

Local Experts, Real Support
Real advice from licensed Aussie advisors.
Affordable & Flexible Plans
Only pay for what you need. Adjust or scale anytime.

Who it is for

Built for food and drink businesses that serve the public.

Cafes & Coffee Shops

Cover for customers, your venue and your gear.

Restaurants & Bistros

Protection for the fit-out and equipment you rely on.

Takeaway & Food Businesses

Cover for the public and lost income.

Small Venues

The package a hospitality business needs, in one place.

Why Clients Trust Us

Cover Quest made getting insurance easy and stress-free. Highly recommended!

Jack Williams

Business Owner

Their team really helped me understand what I needed without overselling.

Terri Davies

Freelancer

Got the perfect business cover without the stress.

Mark Stevens

Small Business Owner

Income protection payments kept me afloat during recovery.

Sarah Mitchell

Freelance Copywriter

Now my family’s future feels secure

James O’Connor

Electrician & Dad of Two

Frequently Asked Questions

Most cafes need a package: public liability for customers, property and contents for the fit-out, equipment and stock, and business interruption for lost income if you have to close. We bring these together in one quote.

Yes, property and contents cover protects your fit-out, equipment and stock against events like fire, theft and damage.

Business interruption cover compensates for income you lose if your operations are disrupted, and is usually added alongside property cover.

Yes. Any business serving the public should hold public liability in case a customer is injured or their property is damaged.

It depends on your size, turnover and the covers you include. A free, no-obligation quote gives you an accurate figure.

1,500+

Australians Protected

From sole traders to growing families
we’ve helped thousands find the right cover.