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

CPR joins Ausure

We would like to announce to all our Clients, Prospective Clients, Suppliers and Insurers, that Cooper Professional Risks Pty Ltd trading as CPR Insurance Services, will be leaving National Adviser Services Pty Ltd (NAS) and joining Ausure Pty Ltd as a Corporate Authorised Representative from 5 March 2018.

Fundamentally, there is no difference to you, except our Invoices will look a little different, and the Banking details will be in a different name and account number. Everything else at CPR stays the same.

There are a number of reasons we have made this decision, but the primary reason is for what we believe is best for our clients.

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Special offer to CPR Insurance clients

Employsure are providing a FREE Business Health Check to all our clients and gives you the opportunity to receive an analysis of the health and safety requirements in your workplace. Also. Employsure  will review your employment agreements as well as your wage rates helping you to avoid workplace claims.

Ordinarily this would cost you at least $1,250 but because you are a CPR Insurance client, it is free!

It involves the following review for you.

SAFECHECK

A specialist Work Health and Safety Consultant will visit your workplace and carry out:

A review of your business’ current work health and safety policies, procedures and systems to identify areas of concern or non-compliance

Following the review, you will receive a report summarising the findings and the health and safety

Status of your workplace

WAGE CHECK

A Wages Adviser will review your rates of pay and produce a Wage Check report.

The review will be conducted against the industrial instrument applicable

A report will be supplied advising if the wages are compliant and what steps to take to achieve compliance

CONTRACT REVIEW

A Document Consultant will review an employment agreement and provide recommendations.

The review will highlight compliance issues with the Fair Work Act 2009 as well as best practice

The report will make recommendations to achieve compliance and provide protection to your business.

This will remove any areas of potential dispute and risk

So what do you have to lose? Contact us on 07 3123 1137 and arrange 

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