All answers / Cost
How much is cafe insurance in NZ?
Indicative $105–$270 per month for the 4 main covers a NZ cafe typically carries, taken together. Individual covers start from around $25/month.
Indicative only — not a quote. Risk: slip / fall, hot-liquid scald, food-illness, kitchen fire. Combined Business Policy usually beats buying separately.
Indicative cost by cover
The combined figure above adds the low and high of the 4 rows below that carry a monthly price. Figures are indicative, not quotes.
| Cover | Indicative / month | Typical limit |
|---|---|---|
| Public Liability | $25–$50 | $2M–$5M |
| Business Contents | $25–$80 | Fitout + stock value |
| Business Interruption | $30–$80 | 12–24 month indemnity |
| Statutory Liability | $25–$60 | $500K |
What each cover is for
- Public Liability: Foot traffic + hot-surface + spill exposure. Landlord may require $5M.
- Business Contents: Espresso machine, fitout, stock.
- Business Interruption: Loss of gross profit after fire / flood / earthquake.
- Statutory Liability: HSWA, Food Act 2014, Fair Trading Act exposure.
Is this a quote?
No. Every figure on this page is an indicative range published to help you budget. SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126), a separately licensed FAP, who provide the regulated advice and place the cover. Your premium is set by the insurer once your business is assessed.
Indicative figures last reviewed 21 September 2026.