Business insurance
Insurance For Cafes
Compare business insurance built around the real risks cafes face — and line up the right cover before your renewal.
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How it works
Matched to the right broker in minutes
Tell us what you need
A few details about your business and the cover you need. Takes under a minute.
We match you
We line you up with the right vetted broker for cafes and your risks — no guesswork.
Get covered
Your broker takes it from there — quotes and cover, sorted.
What you get
Built around your business
- Public liability and contents cover for your premises, fit-out, and stock.
- Protection for customers on-site, spoilage, and the everyday risks of trading.
- A renewal review before rollover, so you're not auto-renewed on a stale premium.
How it works
Simple next steps
- 1Tell us your premises, fit-out, stock, and renewal month.
- 2We match you to a broker who insures retail and hospitality.
- 3You review the cover and only switch if it fits better.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business insurance
Insurance for Cafes
A cafe carries risks behind every cup — a customer slipping on a wet floor, a coffee burn, food safety claims, or a fridge failure that spoils a week of stock. Many cafes hold cover with premiums around $900 a year, and getting the mix right protects both the till and your reputation.
Typical cover includes public liability for customers on site, contents and stock (including spoilage), business interruption if you are forced to close, and workers' compensation for your baristas and kitchen staff. With many policies renewing around 30 June, Cockatoo helps you review your cover before it rolls over so you are not exposed going into the next financial year.
Common questions
Cafes — insurance questions
What insurance does a cafe need?
Most cafes carry public liability, contents and stock cover (including refrigeration spoilage), business interruption, and workers' compensation for staff. Cockatoo matches you to brokers who understand hospitality risks.
Does insurance cover stock if a fridge fails?
Many policies include spoilage cover for refrigeration breakdown, but the limits vary. With renewals often around 30 June, it is worth reviewing yours — Cockatoo can help you line that up before it auto-renews.
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Get matched to the right broker
Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.