Do Cafes need Public Liability Insurance?

Yes, cafes in Australia generally need public liability insurance to protect themselves and their business against potential legal and financial liabilities arising from their operations.

Cafes can be a busy and bustling place, with customers and staff moving around, and food and drinks being served. Accidents can happen, and if a customer or member of the public is injured or their property is damaged on the premises, the cafe may be held liable for the damages.

If a claim is made against a cafe for compensation or damages, and the cafe is found liable, they may be required to pay significant amounts of money. This is where public liability insurance comes in.

We make it easy to get a Public Liability quote, get started below.

We make it easy for cafes to get public liability quotes, start below.

Why do Cafes need Public Liability insurance?

Here are some reasons why cafes need public liability insurance in Australia:

1.Protection against third-party claims: Public liability insurance provides protection to cafes against third-party claims arising from their operations. This includes claims for bodily injury, property damage, or financial loss that may arise due to the cafe’s operations.

2. Legal expenses coverage: In case of a claim, public liability insurance covers the legal expenses incurred by the cafe to defend themselves in court. This can include the cost of hiring a lawyer and other legal fees.

3. Compensation payments: If a cafe is found liable for causing damage or loss to a third party, public liability insurance covers the compensation payments that they are required to make. This can include the cost of medical expenses, repairs, and other related costs.

4. Reassurance for customers: Having public liability insurance can provide reassurance to customers that the cafe is a responsible and reliable business. It can also make it easier for cafes to attract and retain customers.

5. Compliance with legal requirements: In some cases, public liability insurance may be required by law. For example, some local councils or landlords may require cafes to have public liability insurance in place before they can operate. Having this insurance in place can help cafes stay compliant with legal requirements and avoid potential fines or legal issues.


Compare Quotes for Cafes Public Liability Insurance

Public Liability Comparison helps Cafes find cheaper public liability quotes by comparing Australia’s top insurers. Compare quotes for Cafes in Vic & Melbourne, NSW & Sydney, SA & Adelaide, ACT & Canberra WA & Perth, and throughout rural Australia.


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  • We do the hard work for you by comparing quotes from multiple insurers for your liability insurance.

  • We manage the entire claim. We work for you, not the insurer – to get you the outcome you deserve.


Insure 247 IconInsure 247

8/328 Scottsdale Drive, Robina

4.7 171 reviews

  • Avatar Esteban Gimeno ★★★★★ 10 months ago
    Great team! Awesome costumers service and competitive prices! I been working with Caleb and my experience has been great at all time.
  • Avatar moey Zahedi ★★★★★ a year ago
    I have spoken to corey about taking an insurance for my business he was very helpful he is honest. He explains everything about which insurance is good for your business he doesn't waste your time and straight forward person
    I would
    … More recommend them for any tradie.
    Corey is the man to speak to about your insurance.
    Thank you very much mate
    Kind regards SZ
  • Avatar Claudia Bejenaru ★★★★★ a year ago
    Working with Karen at Insure 247 was a great experience: clear and swift communication and great service for our company's needs. Karen was very accommodating and understood exactly what we were looking for. Highly recommend. by Insure 247 Ausure Insurance Brokers Pty Ltd T/as Insure 247 Authorised Representative of Ausure Pty Ltd AFSL 238433. 
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