Fast Food & Takeaway Insurance

Yes. Fire is the most common major claim for fast food businesses, and a comprehensive policy covers fire damage to the building, fit-out, equipment, stock and signage. Business interruption cover replaces lost income during the rebuild period. Insurers require compliant fire suppression systems and regular extraction cleaning as conditions of cover.

Yes. Products liability insurance covers claims from customers who suffer food poisoning or illness from food prepared and sold by your business. This includes legal defence costs, compensation payouts and associated medical expenses. Maintaining proper food safety practices and records is essential to supporting your position in the event of a claim.

If you use third-party delivery platforms like Uber Eats or DoorDash, the platform typically covers the delivery driver. However, your products liability still applies to the food itself. If you employ your own delivery drivers, you need motor vehicle insurance covering commercial delivery use and workers compensation for those drivers.

Most insurers require a compliant kitchen fire suppression system covering all cooking appliances, fire extinguishers, a fire blanket, smoke detection, and regular professional cleaning of exhaust hoods, ducts and filters. Cleaning should be done every 6 to 12 months depending on cooking volume, with certificates retained as evidence.

Standard property insurance covers equipment damaged by fire, storm or theft, but not internal mechanical or electrical failure. Machinery breakdown cover can be added to protect against sudden failure of deep fryers, ovens, refrigeration units, freezers and other critical kitchen equipment. Food spoilage from refrigeration breakdown is also covered under this endorsement.

Yes. Products liability covers claims from customers who suffer allergic reactions to food sold by your business. However, insurers and courts expect food businesses to comply with allergen labelling and declaration requirements under the Food Standards Code. Failure to declare known allergens could complicate your claim defence.

Yes. Food court tenancies can be insured under a fast food insurance package. The cover typically applies to your tenancy fit-out, equipment, stock and liability. The building structure is usually insured by the shopping centre owner. Ensure your business interruption cover is adequate, as food court rebuilds following fire can take longer due to shared infrastructure.

Commercial property insurance covers a wide range of property types including office buildings, retail shops, warehouses, factories, shopping centres, hotels, motels, restaurants, cafes, medical centres, child care centres, gyms, salons, laundromats, churches, petrol stations, mixed-use developments and more. Whether you own a single tenancy or a multi-storey complex, we tailor cover to match your property.

Premiums vary based on building value, location, construction type, tenant occupation and risk profile. A small retail shop may cost $1,500 to $4,000 per year, a standard office building $3,000 to $10,000, and a large warehouse or industrial property $5,000 to $25,000+. High-risk tenancies (restaurants, manufacturing) attract higher premiums. Request a free quote through Shielded for an accurate indication.

Commercial building insurance covers the physical structure including walls, roof, floors, fixed fixtures, common areas, car parks, fencing and services (electrical, plumbing, HVAC) against fire, storm, flood, impact damage, malicious damage, theft and accidental damage. It typically also covers demolition and removal costs, professional fees (architects, engineers) and compliance with current building codes when rebuilding.

If you own a commercial building and lease it to tenants, you need commercial landlord insurance. This covers the building structure, landlord's contents (common area furnishings, HVAC systems), public liability for common areas, loss of rental income if the building is uninhabitable after an insured event, and plate glass. Your tenants are responsible for insuring their own contents, stock and fit-out.

Loss of rental income (also called business interruption for landlords) provides replacement income if your commercial property becomes uninhabitable after an insured event such as fire, storm or flood. It covers the rental income you would have received during the repair or rebuild period, typically for up to 12 or 24 months. This is essential for property investors who rely on rental returns.

Plate glass cover is usually an optional add-on, not included in the base building policy. It covers the cost of replacing glass shop fronts, windows, doors, display cases and signage glass that is accidentally broken or vandalised. For retail properties with large glass frontages, this is an important cover to include.

Generally, the landlord insures the building structure, common areas and landlord's fixtures. Tenants are responsible for insuring their own contents, stock, fit-out, trade fixtures and their own public liability. Most commercial leases clearly define these responsibilities. As a landlord, ensure your lease requires tenants to hold adequate insurance and provide certificates of currency.

Contact us at Shielded Insurance on 1800 97 98 99 or reach out to your insurer directly. We recommend notifying us as soon as possible after damage occurs, documenting everything with photos, securing the premises to prevent further damage, and keeping records of all emergency repair costs.

We compare quotes from leading Australian commercial property insurers including CGU, QBE, Zurich, Vero, Hollard, Allianz, AIG and others. The best insurer depends on your property type, construction, tenant occupation and risk profile. As brokers, we do the comparison work to find competitive and suitable cover for your property.

Review your policy annually at renewal, or whenever there are significant changes such as new tenants, renovations, extensions, changes in building use, or updated valuations. Building replacement costs increase over time - if your sum insured does not keep pace with construction cost inflation, you risk being underinsured at claim time. We recommend a professional building valuation every 3 to 5 years.