Our tailored insurance solutions safeguard your operations, staff, and reputation, ensuring you remain financially secure and able to serve customers with confidence.
The food and beverage industry is fast-paced, customer-facing, and full of operational challenges. From restaurants and cafés to food manufacturers, distributors, and catering services, businesses in this space need protection from public liability, equipment breakdown, product recalls, and stock loss due to spoilage or contamination.
At Angelic Insurance, we provide general advice to help you explore cover options such as public liability, product liability, property damage, equipment cover, and business interruption. We compare policies from a panel of trusted Australian insurers so you can find coverage aligned with your service model, location, and operational risk.
Whether you run a boutique food truck, a commercial kitchen, or a national beverage brand, we support your ability to serve customers with confidence while managing compliance and insurance obligations.
Protect people, property, and cash flow
Identify and mitigate business risks
Professional guidance from experienced brokers
Meet legal and contractual requirements
Main Problems/Challenges Food & Beverage Industry Face and How We Can Help Solve Them
Food and beverage businesses face daily challenges involving safety, compliance, and customer satisfaction. From equipment breakdowns and food contamination to customer injury and staff safety, the right protection helps your business serve confidently and stay compliant.
A power failure, equipment fault, or human error can cause food spoilage or contamination, resulting in health risks, wastage, and financial loss.
We provide Food Contamination and Product Liability cover options that help with replacement costs, disposal, and legal expenses if contaminated food causes illness or injury.
Customers can become sick from foodborne illness or suffer injury on your premises. These incidents can lead to compensation claims and negative publicity.
We offer Public Liability cover options that assist with legal defence and compensation costs if a customer is injured or becomes unwell as a result of your operations.
Refrigeration, ovens, and kitchen equipment are vital to food production. Mechanical failure can halt service and cause significant stock loss.
Our Equipment Breakdown cover options help with repair and replacement costs, ensuring your business continues operating smoothly.
Cooking environments increase the risk of fire and smoke damage. Water leaks or weather events can also damage property and equipment.
We provide Property and Business Interruption cover options that help repair damage and replace equipment so your business can recover quickly and minimise revenue loss.
If contaminated or unsafe products reach customers, you may need to recall items immediately, which can be expensive and damage your brand reputation.
We offer Product Recall cover options that assist with communication, transportation, and replacement costs during a recall, helping protect your brand credibility.
Busy kitchens and production floors create risks such as burns, cuts, and slips. Injured staff can lead to compensation claims and staffing challenges.
We provide Workers Compensation and Management Liability cover options that help manage injury-related costs and maintain compliance with Australian workplace safety laws.
Restaurants, cafes, and production facilities often hold valuable stock, cash, and equipment that can be targeted by theft or vandalism.
Our Theft and Property cover options help replace stolen or damaged items, ensuring minimal disruption to your daily operations.
Delays in receiving ingredients or packaging can halt production and affect your ability to meet customer demand.
We provide Supply Chain and Business Continuity cover options that assist with financial support during supplier disruptions, keeping your business stable.
Our proven six-step process ensures you get the right coverage at the right price
We review your care model, resident acuity, incidents and claims, compliance findings, staffing mix, and maintenance regimes.
We prepare accurate data and highlight risk improvements already in place.
We approach suitable Australian insurers and specialist agencies, negotiate wording improvements and sub limits, and target total cost of risk savings.
You receive a side by side comparison with premiums, deductibles, inclusions, exclusions, and recommendations.
We place cover, issue certificates, and brief your team on notification procedures.
We approach suitable Australian insurers and specialist agencies, negotiate wording improvements and sub limits, and target total cost of risk savings.
At Angelic Insurance, we prioritise clarity and honesty. Our communications avoid jargon and "fine print traps," giving clients peace of mind that they fully understand their coverage. This builds credibility, an essential differentiator in a crowded insurance market.
We map your operational risks to specific policy clauses, not just headings.
We benchmark limits and sub-limits against contracts and catastrophe scenarios.
We coordinate valuations, BI worksheets, and claims-readiness plans.
We explain what is and is not covered in clear language and document assumptions.
Hear From Families and Businesses Who Trust Angelic Insurance
Don't just take our word for it, hear from businesses and families. See what businesses and families say about working with us who've chosen Angelic Insurance and shared their own experiences about working with us.