What's covered

If you run a coffee shop, restaurant, salad or juice bar, mobile food van, or catering business, AAMI Small Business Insurance can offer cover for common risks for your business:

• Public & Products Liability (injury from product) – for example, a customer has an allergic reaction to your food.
• Equipment breakdown – for example, a cool room compressor breaks down.
• Theft – for example, someone breaks into your café and steals your business money in the till.
• Portable & Valuable Items – for example, you accidentally damage your mobile phone while catering an event.
• Back in Business – for example, a truck hits and damages your restaurant and you cannot trade, leading to lost revenue.
• Tax Probe – for example, your business’s superannuation guarantee is audited and you need to pay your accountant’s fees.
• Commercial Motor – for example, flood waters damage your food van.

What’s not covered

• Dissatisfied customer – for example, your customer is dissatisfied with their food and demands a refund.
• Wear and tear – for example,  your cooking equipment is getting old due to wear and tear and needs to be replaced.
• Shoplifting – for example, a customer received their food or drink and left without paying.
• Workers Compensation – for example, your employee is injured in your café. This would typically be covered under Workers Compensation Insurance.