🍽️Food & Hospitality
Public Liability Insurance for Restaurants
Restaurants face significant food safety, customer injury, and property damage risks. Our restaurant insurance covers food poisoning, slip injuries, fire damage, and third-party liability for full-service dining operations.
✅ ICNZ Fair Code🔒 Licensed NZ Brokers💰 From $900💡 Free Expert Advice✓ No Obligation
✅ What's Covered for Restaurants in NZ
Food poisoning compensation
Slip and fall injury liability
Burn injury from plates or kitchen equipment
Fire damage liability
Property damage in restaurant
Legal costs for food safety claims
Emergency response and remediation
Typical NZ Premium
$900 – $2,000/year
Cover limits: $1M or $2M
⚠️ Key Risks Facing Restaurants in NZ
Without public liability insurance, a single claim could threaten your livelihood. These are the risks most commonly faced by restaurants in New Zealand:
01Food poisoning from contaminated dishes
02Slip and fall from greasy kitchen floors
03Burn injury from hot plates or equipment
04Choking or food injury
05Fire or explosion in kitchen
06Property damage from food spills
07Glass fragments in food
08Allergic reaction to meals
Frequently Asked Questions
What food safety standards must I meet for insurance?
You must comply with NZ Food Safety Code. Regular inspections, proper storage, and HACCP procedures are expected. Non-compliance may void coverage.
If multiple customers get food poisoning, can they all claim?
Yes. Each customer can make a claim if they can prove food from your restaurant caused illness. This is why food safety is critical.
Does the cover include a licensed bar or alcohol service?
Most standard policies cover food service. Alcohol service liability may need an endorsement. Always disclose if you serve alcohol.
What if a customer is injured by broken glass in food?
Your liability depends on how the glass got there. If it's your negligence, you're liable. Insurance covers the injury claim.
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