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A long black, a latte, a cap with 2, you’re a wizard when it comes the world of coffee and running your café business. No two days are ever the same and occasionally unexpected challenges can be thrown into the blend. 

You’ve worked hard to build up your café’s reputation, you know your regulars and you plan to be in business for the long run. 

The appropriate business insurance cover can form part of that long-term preparation. Public Liability Insurance is one of the most common forms of insurance for cafes.

fresh coffee under espresso machine

Why should Cafes consider Public Liability and Product Liability Insurance*?

Dealing with members of the public every day creates the potential for things to go wrong and for a claim to be made against your business. Fortunately, you can financially protect your café against claims made by a third-party for accidental personal injury or damage to their property with Public Liability insurance. 

Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business activities.    

Many cafes choose to include Product liability cover as part of their Public Liability policy Product liability insurance provides protection in relation to claims by third parties due to personal injury or property damage caused by products sold or supplied by your business.  Reasonable costs incurred in defending a covered claim will also be met. For example, you may unintentionally use milk that is beyond its use by date causing a bout of food poisoning to not one but several of your customers leaving you liable for damages. 

The legal costs of defending a claim can run into the tens of thousands, regardless of if you are found liable or not. Not only can this impact your business’ finances and reputation, but it could put your personal finances at risk too. Without adequate cover in place, a costly claim could be enough to bring your café business to a grinding halt. 

Having Public Liability insurance in place offers peace of mind and protects your business against potential losses. 

Protect your cafe business today.

Other Types of Insurance

There are other types of insurance cover available that might be relevant to you as a café owner.  These include: 

Business Insurance*

Your business assets help keep you in business, so it makes to sense to insure them. Could you still serve your customers and make an income without a functioning coffee machine or fridge? Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability, tax audit, employment practices liability and statutory liability risks. 

Here is a bit more information about some of the coverages you can include in your business insurance package: 

Glass* – Cover for breakage of internal and external  glass and signage you own or for which you are legally responsible, at the insured premises.

Building* – if you own your building premises, consider protecting it from unexpected insurable events. The building insurance section covers your building if it is damaged as a result of a fire, storm, malicious activity or another defined event listed in the policy.

Contents* – Covers your business contents (and stock) such as chairs, umbrellas and tables if they are damaged in a fire, storm or due to malicious damage or some other defined event listed in the policy. 

Machinery Breakdown*- protects machinery associated with  the operation of your café e.g. coffee machines, coffee grinders and fridges. It covers the cost to repair or replace specified machinery following a breakdown.  You can also choose to insure the additional costs to your business or business interruption expenses caused by a breakdown of machinery.

Business Interruption*- things don’t always go to plan.  Business interruption insurance provides cover for the loss of income and increased costs of operating your business caused by a specified insured event (such as property damage or fire).  It is also designed to assist your business to recover from an insured event by paying ongoing expenses (such as wages or rent).

Management Liability*

Interacting with the public isn’t the only risk you can face as a café owner. Management liability insurance* protects directors and officers and the insured company itself from the many exposures relating to the management of a company. Owners and those responsible for the management of a company have specific responsibilities which can result in personal liability for alleged or actual wrong doing.  Cover can include employment practices liability and for employee theft. 


Tax Audit*

A phone call from the Australian Taxation Office advising that your café business is being audited is sure to take the buzz out of your day. Tax Audit Insurance covers a business for specified costs in the event that it is selected by the Australian Tax Office for auditing. The policy offers coverage for the costs of accountants and other nominated professional fees incurred in the course of an audit. 

cafe open and serving customers

What Should You Consider Before Purchasing Cafe Insurance?

Protecting your business from unexpected events and challenges is where business insurance comes into play, providing cover for when you need it most for things like lawsuits, your equipment and your building premises. 

Getting the Right Public Liability Insurance for Cafes


Just like every café has its own blackboard special, business insurance for cafes is unique, with each business having its own insurance needs and risks. Public Liability Australia gives you access to multiple quotes to compare from some of Australia’s top insurers, so you can choose the right cover to suit your business. 

Our friendly team are only a phone call or a few clicks away to assist with getting your business covered in minutes. 

*As with any insurance, cover is subject to the terms, conditions and exclusions contained in your policy document.  The information contained on this webpage is general only and should not be relied upon as advice 


Public Liability Insurance is a business name of BizCover Pty Ltd (ABN 68 127 707 975; AFSL 501769). 

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