Food and beverage
Menu type, food handling, delivery, and whether alcohol is served all affect liability and insurer appetite.
Hospitality insurance
A review path for cafes, restaurants, and venues.
Hospitality venues combine public liability, food handling, cooking equipment, refrigerated stock, and licensed-premises questions in one conversation.
General information only. Cover depends on the PDS, TMD, eligibility, underwriting, and policy terms.
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PDS/TMD terms checked before decisions
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Next step quote, renewal, or advice pathway
Broker proof
Talk it through with Shahid Mohammad before you decide.
A named Insurance Time broker can help turn this cover question into a practical review path. Call Shahid Mohammad directly or book if a scheduled conversation is easier.
- 24+ years of Shahid Mohammad's insurance experience behind broker-led conversations.
- PDS, TMD, eligibility, underwriting and policy terms stay central.
Venue review
Work through the kitchen, the room, and the licence.
Kitchen and equipment
Commercial cooking equipment, extraction, refrigeration, and coffee machines are a common source of both damage and interruption.
Premises and lease
Leases frequently require specific limits and wordings, and glass, fit-out, and make-good obligations often sit with the tenant.
Covers commonly discussed
What a hospitality pack usually weighs up.
Venue cover generally spans the people through the door, the equipment that runs the service, the stock in the fridges, and the trading income if the doors close.
Public and products liability
Addresses third-party injury and, importantly for food businesses, claims connected to what you serve, subject to the policy terms.
Property, glass, and equipment breakdown
Fit-out, contents, shopfront glass, and breakdown of refrigeration or cooking equipment are commonly reviewed together.
Stock spoilage and interruption
Refrigerated stock spoilage after a breakdown or outage, and loss of trading income during a closure, are frequent hospitality discussion points.
Common questions
Questions worth asking before you decide.
Use the first conversation to clarify documents, timing, fees where relevant, and the policy terms that need checking before advice, quote, renewal, or claims-support steps.
What insurance does a cafe or restaurant usually carry?
Typically a business pack combining public and products liability, property and contents, glass, and often stock spoilage and business interruption. What applies depends on the venue, the lease, eligibility, underwriting, and the policy wording.
Is refrigerated stock covered if a fridge fails?
Stock spoilage cover is generally intended for this, and is often linked to an equipment breakdown or power outage section. Conditions, waiting periods, and limits apply, so the wording is worth reading.
Does serving alcohol change the cover?
It can. Licensed premises, late trading, and entertainment usually affect insurer appetite and liability terms, so it is worth raising at the start rather than at renewal.
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Next action
Talk to a broker about this cover question.
Call Shahid Mohammad, book a short review, or use the contact page about hospitality insurance questions. General information only; your options depend on the PDS, TMD, eligibility, underwriting, and policy terms.