Business Insurance for Restaurants

Restaurants face daily risks involving food preparation, customer service, and busy kitchens. Our tailored insurance solutions protect your staff, customers, and equipment so you can operate confidently.

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We’ve been helping Kiwis protect what matters most—businesses, homes, vehicles, and livelihoods. Our brokers take the time to understand your risks, compare options across local and global insurers, and arrange cover that truly fits your needs.

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We’re Covering All the Insurance Services Files

Public & Products Liability

This covers claims involving customer injuries, slips, burns, or food-related incidents. It’s essential protection for any restaurant serving the public.

Property – Building & Content

Your cooking equipment, furniture, freezers, and stock are valuable assets. This cover protects them from fire, theft, accidents, and other unexpected events.

Business Interruption

If your restaurant must close temporarily due to an insured event, this policy helps replace lost income. It supports ongoing costs such as rent, wages, and utilities.

Machinery Breakdown

Restaurants depend on ovens, cooktops, range hoods, freezers, and POS systems. This cover helps repair or replace essential machinery quickly.

Refrigerated Stock Cover

Spoilage can be costly if fridges or freezers fail. This insurance reimburses you for lost ingredients due to equipment breakdown.

Crime & Theft Cover

Restaurants handle cash, stock, and equipment daily. Crime cover protects your business from theft, including theft by staff.

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Restaurant