Restaurant & Cafes

What is a Restaurant & Cafe Insurance Package?

CPR Insurance Services have a range of insurance solutions specific to the needs of the Restaurant and Cafe industry while providing you with the flexibility to tailor coverage if you have specific needs.

Our tailored insurance package for restaurants provides the cover you need at a price you’ll find very appetising.

Why CPR Insurance Services?

We have streamlined the whole insurance process so that arranging your cover, managing your claims and taking care of any other needs can be done quickly by phone or email.

We can save you time, money and the worry arising from trying to understand complex insurance contracts. We have the training and experience needed to deliver solutions that protect your risks.

The types of Insurance covers that are included in a restaurant insurance policy include:

  • Fire – covers fire, lightening, explosion, storm damage, aircraft, water discharge and malicious damage
  • Accidental Damage – a sub-limit covering any kind of loss not specifically excluded
  • Business Interruption – covers the loss of turnover you are unable to make following an insured event
  • Burglary – covers theft and burglary including damage caused by a break in to your premises
  • Glass – accidental breakage of fixed glass or fixed porcelain
  • Money – loss following robbery from your premises or whilst in transit
  • Public/Products Liability – covers bodily injury or property damage you cause to a third party
  • General Property – covers mobile equipment and tools of trade away from your premises
  • Machinery Breakdown – repairs to mechanical equipment following sudden damage
  • Loss of Refrigerated Stock – if as a consequence of Machinery Breakdown
  • Electronic Equipment Breakdown - repairs to electronic equipment following sudden breakdown. Can include rewriting of data
  • Tax Audit – Covers unexpected additional professional fees if the ATO suddenly audit your business
  • Employee Dishonesty – covers loss caused by embezzlement by your staff

Things to remember in Business Package Insurance Policies

Watch out and discuss with your Broker some of the following issues:

  • Average clause” which may only pay a proportion of your claim if under-insured
  • Full Reinstatement/Replacement conditions – sometimes called “New for Old” rather than Market value
  • Never under-estimate the value of Business Interruption cover. It can be the difference between survival for your business or oblivion when you cannot generate income from your lost assets
  • Burglary cover does not include cash or negotiable instruments. For this you need the Money section
  • Good Security  can keep rates down for the Burglary and Money sections

Who can help?

An insurance broker's role is to act as your representative and work in your interests, seeking the best cover at the best price for you from market knowledge. Call a good one. Call CPR – Experts who will save you.

Cooper Professional Risks Pty Ltd trading as CPR Insurance Services is an Authorised Representative of National Adviser Services Pty Ltd (ABN: 60 096 916 184) trading as NAS Insurance Brokers (AFS No.233750)

Latest News

Will you lose the value of a Broker?

If you listen to the Podcast on this link you will here Robert Cooper explain to his Accountant why Small Business stands to lose if Insurance Brokers are not there to advise start up businesses and established businesses about the risks their occupation carries and how they can deal with them. Simply because they will not want to pay the fees that would be charged. Currently instead, Insurance Companies pay the Broker after the Insurance has been placed with them. Perhaps the premiums will appear a bit cheaper in the first year? Then they will question the fees an Insurance Broker puts on top and finds they can go to the Internet and obtain the same cover at the same price. However, they will not have the constant advice and claims advocacy that comes with an Insurance Broker. The big loser is definitely the Consumer as direct insurers give absolutely no advice, only price.

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Robert Cooper - one of 100 faces of small business

This week it was announced as part of Small Business Week,  that Robert has been named one of the 100 faces of small business for a State Government promotion on the great value that small businesses play in the State of Queensland.

You can see Robert's entry here:

It is the third accolade for CPR Insurance Services in a month and after seven and a half years in business is a real pep up for the company.

For Robert, it is the culmination of many years experience, becoming well qualified, experiencing the highs and lows of a career and always wanting to contribute to his community. Sometimes, these things just come together and you receive recognition for your efforts.

Robert says that there is no doubt that starting your own business is a huge challenge, but with the right research and planning, the right people around you and a good set of values that you apply to the vision of the company, you have a very good chance of making it all succeed.

Robert says he is lucky. He has a strong supportive Wife, Mandy, who is also part of the business, along with efficient and hard working staff such as Julia McLauchlan and Aidan Harmer who are building up their own skills in a learning environment. 

However, the most important and most supportive people for CPR Insurance Services are our clients who have stuck by us and supported us over the past seven years. Our focus remains on providing the best possible service we can and always acting in their best interests. To all our clients, we say thank you!

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