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Restaurant Insurance Online Restaurant Insurance Calculator

Estimate your restaurant business insurance needs with our Restaurant Insurance Calculator. Calculate the right levels of cover to protect your hospitality business and your financial livelihood.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.

Restaurant – Insurance Calculator

Purpose-built for restaurants. Work through the steps to total your property replacement values, estimate a Business Interruption (BI) sum, and get suggested limits for Deterioration of Stock and Public Liability. Not a quote or advice.

Step 1 of 8

1) Venue details

Basics to tailor suggestions and set GST display mode.

Optional, but helps refine Public Liability suggestion.
Higher delivery share can change BI dynamics and transit exposures.
Most venues claim input tax credits → ex-GST sums.
Next: start entering replacement values.

2) Fit-out & furniture

Booths, counters, flooring, lighting, tables/chairs. Enter replacement values.

3) Kitchen & cooking equipment

Combi ovens, ranges, fryers, grills, dishwashers, rangehood/canopy, suppression.

4) Refrigeration & coolrooms

Coolrooms, freezers, under-bench/display fridges, glycol/ice machines.

5) Electronics, POS & security

POS terminals, tablets, servers, Wi‑Fi/networking, CCTV/DVR, music systems.

6) Outdoor & signage (optional)

Alfresco awnings, heaters, outdoor furniture, umbrellas, fixed signage, glass.

7) Stock, Deterioration of Stock & Liability

Enter stock totals, then choose options to generate suggested Deterioration of Stock and Public Liability limits.

Optional ceiling. Leave at 50% if unsure.
e.g., coolroom compressors, dishwashers, extraction fans.

8) Business Interruption (Gross Profit) & results

Add turnover/margin to estimate BI, then calculate recommended sums & suggested limits.

As defined in your BI wording: turnover minus uninsured working expenses.
Additional Increase in Cost of Working buffer.
When you’re ready, calculate recommended sums & suggested limits.

Heads-up: Liability, Machinery Breakdown, Glass and Flood terms vary by insurer. This tool totals user-entered values and uses heuristics to suggest limits. It isn’t a quote or advice.

Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

How to use our Restaurant Insurance Calculator

Our Restaurant Insurance Calculator helps you estimate suitable restaurant business insurance levels by adding up your key replacement costs, modelling a Business Interruption (BI) sum insured, and suggesting practical limits for Deterioration of Stock and Public Liability. This matters because underinsurance can leave you short after a fire, equipment damage, or a liability claim, while overinsurance can increase premiums unnecessarily. The calculator provides general information only and is not a quote or personal advice.

How to complete the calculator for the best result

1. Venue details: Enter seating capacity, whether you have a liquor licence, your takeaway or delivery share, and location type. These factors can influence liability and interruption risk. Choose your GST treatment based on whether you are GST-registered so the totals align with how you account for costs. Add financier details if applicable.

2. Fit-out and furniture: Add each major fit-out and furniture component with an estimated replacement value (not depreciated value). Include joinery, flooring, lighting, and dining furniture.

3. Kitchen and cooking equipment: Add high-value items such as ovens, fryers, dishwashers, rangehood and suppression systems, using today’s replacement cost.

4. Refrigeration and coolrooms: Add coolrooms, freezers, display fridges, and any associated plant. This supports stock and machinery risk estimation.

5. Electronics, POS and security: Include POS terminals, tablets, networking, CCTV, and audio systems.

6. Outdoor and signage (optional): Include alfresco furniture, awnings, heaters, umbrellas, and fixed signage.

7. Stock and consumables: Enter dry, chilled, frozen, and beverage or alcohol stock totals based on your typical peak holding.

8. Business Interruption: Enter annual turnover, gross profit margin, indemnity period in months, AICOW uplift, and a peak season factor. Add monthly rent if relevant.

9. Deterioration of stock and Public Liability: Select your backup monitoring level, any cap percentage, and any landlord or contract required liability limit. Choose a cautious bias if you prefer higher suggested tiers.

How to interpret results

The calculator outputs recommended sums insured and suggested limits, plus a JSON summary you can share for a quote request. Treat results as estimates: policy terms, exclusions, flood, glass, and machinery breakdown cover vary by insurer. Consider verifying figures against invoices, asset registers, and your accountant’s BI definition of gross profit before proceeding.

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