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

Three Years running - Insurance Brokerage of the Year 1 to 5 staff

Mandy and Robert Cooper were extremely honoured and astounded to once again win, Insurance Brokerage of the Year for 2020 from Insurance Business Australia magazine. This is the third year running.

While this year has not been the easiest of years for the business with Covid 19, the Recession, the hard market and issues at Lloyds of London, we are literally all in this together as an Insurance Industry.

CPR Insurance Services continues to make our clients the number one focus of our business while managing our relationships with Insurers, who we need more than ever in this market climate.

CPR Insurance Services are a highly ethical Brokerage with a reputation as a trusted advisor who always acts in the Client's best interests. Their experience, knowledge and expertise is amongst the highest in the industry.

CPR Insurance Services is now ten years old as a business and is proud of being an Authorised Representative of Ausure and their partnership with Steadfast, giving CPR the strength and backing to match it with any Broking firm in the Insurance Industry, but remain focussed on supporting the Small to Medium business segment.

Memberships of the National Insurance Brokers Association, Australia and New Zealand Institute of Insurance and Finance, Australian Insurance Law Association, Australian Professional Indemnity Group and the Australian Institute of Company Directors, ensures CPR Insurance Services maintains the high standard of knowledge and expertise required to be one of the best Brokerages in Australia.

CPR Insurance Services also plays a strong role in their local community supporting other Sporting Clubs and Community organisations. They also support and promote local businesses with their operation of the Kedron Brook Business Group who meet regularly and has 174 members.

We are truly honoured to receive this National award once again for the third year as a recognition of CPR Insurance Services contribution.

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Finalist for QLD Broker of the Year

Robert Cooper was honoured to be nominated as a finalist for Queensland Insurance Broker of the year for 2020, as part of the National Insurance Brokers Association. Unfortunately he missed out on the ultimate award but is a reflection of the high standard that the industry now has for such awards.

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