In this blog we share why Insurance Web is very good at sourcing the best restaurant insurance in Brisbane – and how we can help you!
We even share three of the biggest risk factors specific to restaurant operators.
Don’t get weighed down by the nitty gritty of finding the right insurance policy – free up your time to run your restaurant with the confidence that you have the right cover in place, and you’re not paying for anything you don’t need.
What insurance does a restaurant need?
At minimum, a restaurant owner should have the following insurance policies in place:
- Public Liability
- Business Interruption
- Machinery Breakdown incl Stock Loss
- Motor Vehicle
- Management Liability
- Cyber Insurance
What are the insurance risk factors restaurant owners need to be aware of?
Here are just three of the most prominent risk factors relevant to restaurant owners – and areas you may get questioned on by an insurer:
- Regular cleaning and maintenance of cooking equipment – cooking hood filters should be cleaned or exchanged on a frequent basis (as much as fortnightly or weekly depending on how busy your restaurant is). This extends to the cooking hood ducts (behind the filters) which should be professionally cleaned at least every 6 months.
- Public and customer safety – you need to be aware of your duty of care to members of the public, customers and staff. This includes consideration to entrances, emergency exits, floor maintenance and your protocols for cleaning spills.
- Cash handling procedure – written procedures should outline the separation of cash handling duties, setting a maximium limit of cash held at your point of sale, and storage of cash during and after business hours.
Why should I use an insurance broker for restaurant insurance?
As a small business ourselves, we know it’s hard to find expert advice you can trust. That’s why we pride ourselves on doing things differently.
Insurance Web provides the best localised customer service and support, paired with hospitality insurance knowledge.
And unlike many big companies, here at Insurance Web you can expect tailored advice from a local broker representative who has your best interests at heart.
Find out why our restaurant and hospitality clients rate us 5 stars, check out this testimonial from a North Brisbane café and restaurant owner about working with Insurance Web here.
Restaurant Insurance Broker Brisbane
Insurance Web is your local business Restaurant Insurance insurance expert. Known for our simple processes, cost-efficiency and trustworthy staff, we’ll help you get the right business insurance cover so you can trade confidently and securely right now!