Property Damage Insurance

Property Damage insurance protects your cafe's property (buildings, contents, and stock)  from certain sudden, unexpected or unforeseen occurrences. 

Property Damage Major Perils

Some of the main causes of loss that are covered under the property damage section are:

  • Fire
  • Storm and tempest 
  • Malicious Damage
  • Riots and civil commotions
  • Impact by vehicle, aircraft
  • Lightning
  • Explosion

Standard Included Property Damage Covers

Depending on the policy, some of the standard included covers of a cafe business package policy include:

  • Floating stock
  • Capital additions
  • Landscaping
  • Professional fees
  • Removal of debris
  • Rewriting of records

Property Damage Additional Benefits

  • Fire brigade attendance fees
  • Directors’ and employees’ tools of trade and personal effects
  • Temporary cover for new premises
  • Temporary removal of stock and contents
  • Prevention of imminent damage​


For more information or would like specialist insurance advice regarding property damage insurance for your cafe operation, then speak to a broker on (03) 9791 6688.



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