All answers / Cost
How much is restaurant insurance in NZ?
Indicative $105–$350 per month for the 3 main covers a NZ restaurant 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, alcohol-related incidents. $5M+ PL typical for full on-licence venues.
Indicative cost by cover
The combined figure above adds the low and high of the 3 rows below that carry a monthly price — Liquor Liability (where licensed) is priced per project and is not included. Figures are indicative, not quotes.
| Cover | Indicative / month | Typical limit |
|---|---|---|
| Public Liability | $25–$80 | $2M–$10M |
| Business Contents | $40–$150 | Fitout + stock + kitchen kit |
| Business Interruption | $40–$120 | 12–24 month indemnity |
| Liquor Liability (where licensed) | Quoted | $1M+ |
What each cover is for
- Public Liability: Higher tier for licensed venues; $5M+ typical for on-licence.
- Business Contents: Commercial kitchen equipment runs hot — replacement values are high.
- Business Interruption: Critical — restaurants are equipment-dependent and slow to rebuild.
- Liquor Liability (where licensed): Some PL policies include it; many price separately.
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.