Need a hand? Get support from a real human
call 📞 02 7201 8717
or click to arrange a call-back

Restaurant insurance built for modern dining venues

Protect your restaurant, your guests, and your staff with tailored insurance designed for eateries of all sizes, from neighbourhood bistros to multi-venue dining groups.
TALK TO A SPECIALIST
Why upcover

Restaurant insurance made simple

upcover connects you with specialised cover for restaurants and hospitality venues built to protect your commercial kitchen, food operations, dining areas, staff, customers, and revenue.
From fire and equipment failure to food contamination and customer injury, we help you findcover designed to manage unexpected incidents and support business continuity, even during your busiest service periods.

Restaurants & Dining Rooms

Protection for fit-outs, décor, dining furniture and kitchen equipment
Public liability cover for guests, diners and service areas
Business interruption cover for insured closures or repairs
TALK TO A SPECIALIST

Bars, Wine Bars & Tapas Venues

Cover for bar setups, refrigeration, display units and POS systems
Liquor liability and customer safety protection
Equipment breakdown for cool rooms, bar fridges and tap systems
TALK TO A SPECIALIST

Casual Dining & Fast-Casual Venues

Protection across dine-in, takeaway and delivery operations
Cover for fryers, grills, ovens and meal-prep equipment
Spoilage cover for ingredients after outage or machinery failure
TALK TO A SPECIALIST

Fine Dining & Premium Venues

Cover for high-value fit-outs, glassware, tableware and specialty equipment
Protection for special events, functions & tastings
Liability for sommeliers, tableside service & premium offerings
TALK TO A SPECIALIST

Food Courts, Kiosks & Quick-Service Outlets

Cover for counters, built-ins, kitchenettes & shared-space risks
Liability for heavy foot traffic & shared dining environments
Equipment breakdown for compact or mobile setups
TALK TO A SPECIALIST

Multi-Venue Hospitality Groups

Portfolio solutions for operators managing several restaurants
Centralised cover for common equipment, staff and procurement
Flexible options for seasonal operations and high-volume venues
TALK TO A SPECIALIST

Protection for your restaurant

Coverage options shown below. Actual cover will depend on your policy selection and insurer. Refer to the PDS for specific details.
Property Damage Cover
Protection for your building (if owned), commercial kitchen, dining areas, furniture, fixtures, fittings, appliances and décor against fire, storm, impact or accidental damage.
Public & Products Liability
Can cover customer injuries or third party property damage such as burns, spills, slips, falls, allergic reactions or food-related illness, along with legal defence costs.
Theft, Break-Ins & Malicious Damage
Protection for burglary, cash theft, stolen equipment, vandalism, and malicious damage caused by outsiders or customers.
Business Interruption
Financial protection for lost income, staff wages and ongoing expenses if your restaurant can’t trade due to an insured event including fire, storm damage or major equipment failure.
Food Spoilage & Contamination Cover
Can cover loss of perishable food and ingredients due to power outage, fridge failure, contamination, or equipment breakdown.
Kitchen & Equipment Breakdown
Protection for essential restaurant machinery: ovens, grills, refrigeration, cool rooms, dishwashers, exhaust fans, POS systems, and other critical equipment.
Money Cover (On Premises or In Transit)
Can cover cash stored on site, in safes, in tills, after-hours takings, or transported to the bank.
Glass Breakage
Can cover accidental breakage of internal and external glass at your premises, including windows, doors, shopfronts, mirrors, and balustrades.
TALK TO A SPECIALIST
FAQs

Commonly asked questions by our customers

What is restaurant insurance?

It’s a tailored insurance package designed specifically for dining venues, combining property, liability, food safety, and revenue protection.
Through upcover you can manage quotes, policy documents and certificates online.

What types of restaurants can be insured?

We connect a wide range of hospitality businesses with appropriate cover, including:
Restaurants, bistros, brasseries, bars, wine bars, quick-service outlets, food court operations, casual dining venues, fine dining establishments and multi-venue groups.

Is restaurant insurance suitable for small or single-site venues?

Yes, restaurant insurance is designed for businesses of all sizes.
Whether you run a 20-seat neighbourhood eatery or a large hospitality brand, we tailor cover to your kitchen operations, number of staff, premises layout, equipment, and customer volume.
ARE YOUR READY?

Need a certificate of insurance?

Get covered and access all your insurance documents online

TALK TO A SPECIALIST
© 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.