Restaurant operators: insurance and scheme requirements
Full food service, usually with a liquor licence and commercial kitchen.
Data as at · refreshed by scripts/seed-graph.mjs
Tracked, not yet verified
These are the fields this page will carry. None of them has been checked against its source yet, so no value is shown and this page is deliberately kept out of the sitemap. The source to open is named on each row.
- Licence liability condition NSW — not verified Building Commission NSW · 2026-08-13
- Licence evidence required NSW — not verified Building Commission NSW · 2026-08-13
- Licensing body NSW — not verified Building Commission NSW · 2026-08-13
- Licence liability condition VIC — not verified Building and Plumbing Commission · 2026-08-17
- Licence evidence required VIC — not verified Building and Plumbing Commission · 2026-08-17
- Licensing body VIC — not verified Building and Plumbing Commission · 2026-08-17
- Licence liability condition QLD — not verified WorkSafe Queensland · 2026-08-13
- Licence evidence required QLD — not verified WorkSafe Queensland · 2026-08-13
- Licensing body QLD — not verified WorkSafe Queensland · 2026-08-13
- Licence liability condition WA — not verified Consumer Protection WA · 2026-08-13
- Licence evidence required WA — not verified Consumer Protection WA · 2026-08-13
- Licensing body WA — not verified Consumer Protection WA · 2026-08-13
- Licence liability condition SA — not verified Consumer and Business Services SA · 2026-08-13
- Licence evidence required SA — not verified Consumer and Business Services SA · 2026-08-13
- Licensing body SA — not verified Consumer and Business Services SA · 2026-08-13
- Licence liability condition TAS — not verified Consumer, Building and Occupational Services Tasmania · 2026-08-13
- Licence evidence required TAS — not verified Consumer, Building and Occupational Services Tasmania · 2026-08-13
- Licensing body TAS — not verified Consumer, Building and Occupational Services Tasmania · 2026-08-13
- Licence liability condition ACT — not verified ACT Construction Occupations Registrar · 2026-08-13
- Licence evidence required ACT — not verified ACT Construction Occupations Registrar · 2026-08-13
- Licensing body ACT — not verified ACT Construction Occupations Registrar · 2026-08-13
- Licence liability condition NT — not verified NT Building Practitioners Board · 2026-08-13
- Licence evidence required NT — not verified NT Building Practitioners Board · 2026-08-13
- Licensing body NT — not verified NT Building Practitioners Board · 2026-08-13
Cover commonly held
Ordered by how central each cover is to this occupation. This is what businesses in the trade commonly hold and what contracts commonly ask for — it is not a statement that any of it is legally required, and it is not a recommendation.
- Public liability insurance — Cover for legal liability to third parties for personal injury or property damage arising from business activities.
- Workers compensation insurance — Statutory cover for injury to workers, arranged through each state or territory scheme rather than on the open market.
- Business pack insurance — A packaged policy combining property, liability and interruption sections for small business.
- Business interruption insurance — Cover for lost income and additional costs when insured damage stops a business trading.
- Products liability insurance — Cover for legal liability arising from goods a business sells, supplies or installs, usually written alongside public liability.
- Commercial glass insurance — Cover for shopfront and internal glass, signage and associated damage after a breakage.
- Machinery breakdown insurance — Cover for sudden mechanical or electrical breakdown of plant, refrigeration and fixed machinery.
- Money insurance — Cover for cash and negotiable instruments on the premises, in transit and in the custody of a person.
Statutory schemes that can apply
- Workers compensation (NSW) · NSW — The New South Wales workers compensation scheme, with the nominal insurer and specialised insurers underwriting employer policies.
- Workers compensation (Queensland) · QLD — The Queensland workers compensation scheme, underwritten by the state insurer with self-insurance available to large employers.
- WorkCover (Victoria) · VIC — The Victorian workers compensation scheme, administered by the state regulator through appointed agents.
- Workers compensation (Western Australia) · WA — The Western Australian workers compensation scheme, where cover is placed with approved private insurers under a regulated framework.
- Return to Work (South Australia) · SA — The South Australian work injury scheme, funded by employer levies and administered by the state corporation.
- Workers compensation (Tasmania) · TAS — The Tasmanian workers compensation scheme, where employers hold a policy with a licensed insurer.
- Workers compensation (ACT) · ACT — The Australian Capital Territory private-underwriter workers compensation scheme.
- Workers compensation (Northern Territory) · NT — The Northern Territory workers compensation scheme, placed with approved insurers.
Checking what you hold
The document a principal, a landlord or a licensing team will ask for is a certificate of currency. The checker reads one and lists what it does and does not show.
Sources
- Building Commission NSW — Building Commission NSW — building and trade licences
- Building and Plumbing Commission — Building and Plumbing Commission (Victoria)
- WorkSafe Queensland — WorkSafe Queensland — regulator portal (WHSQ, Electrical Safety Office, WCRS)
- Consumer Protection WA — Consumer Protection, Department of Local Government, Industry Regulation and Safety (WA)
- Consumer and Business Services SA — Consumer and Business Services (South Australia)
- Consumer, Building and Occupational Services Tasmania — CBOS Tasmania — occupational licensing
- ACT Construction Occupations Registrar — ACT construction occupations licensing
- NT Building Practitioners Board — Northern Territory Building Practitioners Board — registration