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Café insurance designed for modern food & beverage businesses

Protect your café, your team, and your customers with cover tailored specifically for coffee shops, bakeries, espresso bars, roasteries, and small hospitality venues.
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Why upcover

Café insurance made simple

upcover connects you with specialised insurance solutions for the café and hospitality industry covering everything from kitchen equipment to customer liability, business interruption, spoilage, stock, and daily operational risks.
Get protection built for fast-paced service environments and food-handling businesses.

Cafés & Espresso Bars

Cover for your fit-out, furniture, POS systems, and coffee equipment
Public liability protection for high-traffic indoor/outdoor seating areas
Business interruption cover for closures after insured events
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Coffee Roasteries

Equipment cover for roasting machinery and production tools
Stock & green bean inventory protection
Liability for wholesale operations, tastings, and on-site visitors
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Bakeries & Patisseries

Cover for ovens, mixers, display cabinets, and refrigeration
Spoilage protection for perishable goods after breakdown or outage
Liability cover for takeaway and dine-in operations
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Café & Retail Stores

Protection for merchandise, packaged goods, beans & brewing equipment
Theft, shoplifting & vandalism cover
Cover for mixed-use retail and food-service environments
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Food Trucks & Mobile Coffee Vans

Coverage for mobile hospitality operations
Protection for fitted coffee machinery and generators
Public liability during service at markets, events & pop-ups
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Small Hospitality Venues

Designed for hybrid spaces like brunch spots, dessert bars & cafés with alcohol service
Equipment breakdown for refrigeration, espresso machines & kitchen tools
Cover for casual staff, contractors & customer injuries
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Comprehensive protection for your café

Coverage options shown below. Actual cover will depend on your policy selection and insurer. Refer to the PDS for specific details.
Property Damage Cover
May include for your building (if owned), café fit-out, furniture, fixtures, kitchen equipment, display counters, and internal décor against fire, storm, accidental damage and more.
Public & Products Liability
May cover customer injuries (slips, scalds, spills, falls), allergic reaction claims, food contamination-related liability, and damage to third-party property.
Theft, Burglary & Vandalism
Protection for break-ins, stolen equipment, money theft, stolen stock, or malicious damage to your café.
Business Interruption
May cover for loss of revenue and ongoing expenses if your café must close or reduce operations due to an insured event such as fire, equipment failure, or major damage.
Spoilage & Deterioration of Stock
May cover perishable ingredients if a fridge, freezer or cool room fails including after power outages or equipment breakdown.
Machinery, Equipment & Electronic Breakdown
Protection for espresso machines, grinders, ovens, fridges, dishwashers, roasters, POS systems, and other essential café equipment.
Money Cover (On Premises or In Transit)
May include cash stored on site, in safes, in tills, or transported for banking.
Glass Breakage
Can cover accidental breakage of internal and external glass at your premises, including windows, doors, shopfronts, mirrors, and balustrades.
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FAQs

Commonly asked questions by our customers

What is café insurance?

Café Insurance is a tailored insurance package designed specifically for cafés and small hospitality businesses to address the unique risks of food service, coffee equipment, staff management, and customer-facing operations.
Through upcover's digital platform, you can manage quotes, policy documents and certificates of currency online.

What types of businesses can be covered?

We support a wide range of café and hospitality operations, including:
Cafés, espresso bars, coffee carts, roasteries, bakeries, patisseries, brunch venues, dessert bars, food trucks and hybrid café-retail concepts.

Do small cafés qualify for café insurance?

Absolutely. Café insurance is designed for businesses of all sizes, from small takeaway espresso windows to large multi-site operators.
Coverage is tailored to your equipment, staff, seating, food handling processes, and operational footprint.
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Need a certificate of insurance?

Get covered and access all your insurance documents online

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© 2025 upcover Pty Ltd ABN 17 628 197 437, Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078. upcover arranges insurance products with selected insurers and underwriters. upcover does not compare all general insurers or insurance products available in the market.

The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement.  Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.