Australia is home to some of the best restaurants, from local burger joints to award-winning haute cuisine. As a restaurant owner, you know that the food industry requires incredibly hard work for success. The last thing you want is for all that effort to disappear in a flash because of one unexpected mishap or incident.

Running a business from home is common in Australia, with over 1.3 million “household” businesses recorded by the Australia Bureau of Statistics during FY25. The home office setup can give business owners flexibility and affordability, but it may also create unintended risk for your business and your personal property.

Your business is your livelihood. So it’s vital to protect your business assets and revenue against potential risks that may impact your business, such as fire, storms, theft and accidental damage.

Your business property is like your home away from home and is the place where you work your magic. Whether you’re in the business of providing expert advice to clients or serving up the best lattes in town, if the building you own was damaged by an unexpected event, like fire, storm or vandalism, how could your business keep operating?

Running a small business means juggling a million things — clients, deadlines, invoices, staff. So it’s no surprise that insurance usually gets left on the “I’ll deal with it later” pile… until something goes wrong.

Flipping burgers, filleting fish, grinding coffee beans – the fast-paced world of the food industry leaves no spare time to be left worrying about whether you have the right business insurance. When it comes to insuring your small food business, sometimes it can feel like there is an overwhelming choice of policies and policy options to choose from.

Know you need business insurance but aren’t sure how to get started?

Regardless of the industry or type of small business you run, business insurance can play an critically important role in reducing your risk, which will help to sustain your business for the long-term. Business insurance such as cleaning company insurance – also sometimes known as housekeeping insurance – helps protect cleaning business owners from unforeseen incidents and accidents that may reduce their capacity to run their business.