What Insurance Do I Need for My Café?

Opening or running a café involves far more than serving great coffee. From espresso machines and refrigeration to high customer traffic and staff management, cafés face daily risks that can lead to costly disruptions or unexpected losses. That’s why choosing the right café insurance is essential for protecting your business, assets, and livelihood.

This guide explains what insurance you need for your café, how each type of cover works, what affects the cost, and why using a specialist broker makes all the difference.

What Is Café Insurance?

Café insurance is a customised group of business insurance policies designed to protect cafés, espresso bars, coffee carts, brunch venues, and specialty coffee shops. Unlike general retail insurance, café insurance covers the risks unique to food service and hospitality, hot equipment, slip hazards, food spoilage, staff injuries, customer incidents, and equipment breakdown.

What Does Café Insurance Cover?

A solid café insurance package generally includes the following key covers:

1. Public & Products Liability Insurance

Protects you if a customer, supplier, or passer-by suffers:

• Injury (e.g., slip on a wet floor, burn from hot coffee)
• Property damage
• Illness caused by food or drink

This is one of the most crucial policies for any café.

2. Business Property & Contents

Covers physical property such as:

• Fit-out, furniture, tables, and décor
• Coffee machines, grinders, brewers
• Fridges, freezers, ovens, dishwashers
• POS systems and electronics
• Food stock and consumables

Protects against fire, theft, storm damage, vandalism, and accidental damage.

3. Machinery Breakdown

Your café depends on equipment working properly. This protects you if any of the following fail unexpectedly:

• Espresso machines
• Coffee grinders
• Fridges and freezers
• Cake display cabinets
• Air conditioning units
• Commercial dishwashers

This cover is vital for cafés with refrigeration and coffee machinery investments.

4. Electronic Breakdown

Covers electrical components of equipment such as:

• POS terminals
• EFTPOS machines
• Temperature control systems
• Display screens
• Ordering tablets

5. Stock & Food Spoilage

Protects milk, pastries, fresh produce, and gelato/ice cream if refrigeration fails or power is lost. Spoilage can be costly, especially in summer.

6. Business Interruption (Loss of Income)

If your café is forced to close after an insured event (e.g., fire, storm, equipment breakdown), this cover helps pay:

• Wages
• Rent
• Utilities
• Supplier contracts
• Lost profits

This can save your business from financial collapse after unexpected downtime.

7. Glass & Signage

Covers breakage of shopfront glass, display cabinets, internal mirrors, and illuminated signage.

8. Money & Theft Cover

Protects cash in registers, safes, and during transit, as well as burglary or theft of property.

9. General Property (Portable Equipment)

Ideal for coffee carts, catering, events, or mobile espresso setups. Covers portable items anywhere in Australia.

10. Cyber Insurance

Cafés commonly rely on:

• Digital POS systems
• Online ordering
• Loyalty programs
• QR code menus
• Delivery platforms
  Cyber insurance protects your café from data breaches, payment terminal hacks, ransomware, and invoice scams.

11. Management Liability (If You Employ Staff)

Covers owners and managers from claims such as:

• Unfair dismissal
• Harassment or discrimination
• OH&S investigations
• Wage or award disputes

Essential for hospitality businesses with casual or part-time employees.

Why Café Insurance Can Be Expensive

Some cafés pay higher premiums due to:

• High-value equipment (espresso machines & refrigeration)
• Slip and fall risks
• Food spoilage exposure
• Fire risk from cooking appliances
• Claims history
• Location (city vs regional, crime levels)
• High foot traffic
• Whether alcohol is served

Cafés with kitchen facilities, deep fryers, or extended menus typically attract higher premiums.

How to Lower the Cost of Café Insurance

You can reduce your café’s insurance costs by:

• Maintaining strict food safety standards
• Keeping equipment serviced and clean
• Installing slip-resistant flooring
• Upgrading fire suppression and extraction systems
• Increasing your excess
• Combining multiple policies under one package
• Improving security (CCTV, locks, alarms)
• Reducing unnecessary cover
• Using a broker to compare specialist markets

Risk-management improvements show insurers you are a lower risk, meaning lower premiums.

Why the Type of Café Matters

Not all cafés are the same, and insurers price policies based on your operational risk.

Different café types include:

• Espresso bar / small coffee shop
• Brunch café
• Café serving full meals
• Licensed café or wine bar
• Café with takeaway and delivery
• Coffee carts or mobile units
• Gelato-café / dessert café
• Café with bakery or roasting equipment

Each type has different equipment, trading hours, staff, food safety risks, and customer traffic, all affecting insurance cost and coverage needs.

Why Using a Broker Helps Bring Your Cost Down

A specialist broker can often reduce your premiums and improve your cover by:

• Comparing multiple insurers side-by-side
• Negotiating better pricing based on your risk controls
• Finding insurers comfortable with hospitality risks
• Tailoring your policy to your actual operations
• Avoiding unnecessary add-ons
• Ensuring you aren’t over-insured or under-insured
• Helping you present your business favourably to insurers
• Ensuring claims don’t cause unfair premium increases

A broker saves you money, time, and stress, while improving your protection.

Why Morgan Insurance Brokers Is the Best Broker for Cafés

When it comes to hospitality insurance, Morgan Insurance Brokers is one of Australia’s most trusted specialists.

Here’s why café owners choose us:

• We specialise in cafés, restaurants, and hospitality, not generic business insurance.
• We access a panel of insurers who understand café risks, including machinery breakdown, spoilage, and high customer turnover.
• We help café owners reduce premiums through risk advice, packaging, and negotiating on your behalf.
• We tailor cover to your exact café setup, equipment, menu, and trading style.
• We manage your claims from start to finish, ensuring fast and fair outcomes.
• We provide clear, honest, uncomplicated advice so you understand your cover.

We work for YOU, not the insurer.

Get a Quote for Café Insurance

Protect your café with a tailored hospitality insurance package designed for the unique needs of espresso bars, brunch cafés, coffee carts, and dessert venues.

Contact Morgan Insurance Brokers today for a free, no-obligation quote.

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by lauren

Indian Restaurant Insurance

Indian restaurants are among the most vibrant and flavourful hospitality businesses in Australia, but behind the spices, heat, and colour lie significant business risks. From tandoor ovens and deep fryers to curry stations, busy dining rooms, and delivery operations, Indian restaurants need specialised hospitality insurance that goes far beyond standard business cover.

Morgan Insurance Brokers works with a panel of specialist hospitality insurers who understand the unique risks of Indian restaurants, whether you run a dine-in venue, takeaway, or delivery-focused kitchen.

Why Indian Restaurants Need Specialist Insurance

Indian cuisine uses high-heat equipment, complex cooking methods, and high-traffic service layouts, all of which increase operational risk.

Common risks for Indian restaurants include:

• High fire risk from tandoor ovens, gas burners, deep fryers, and charcoal cooking
• Smoke and heat exposure, increasing exhaust and duct fire risk
• Slip and fall hazards from spills, busy floors, and fast-paced service
• Food contamination risks, including seafood, dairy, spices, and allergens
• Staff injuries, such as burns, cuts, repetitive strain, or lifting injuries
• Delivery-related risks for venues offering home delivery
• Equipment breakdown, especially refrigeration and cooking appliances
• High-value stock losses, including meats, spices, and bulk ingredients

Because of these exposures, Indian restaurants need specialist restaurant insurance, not generic retail business policies.

Indian Restaurant Insurance Cover Options

A tailored Indian Restaurant Insurance Package protects your venue from operational hazards, property damage, staff-related risks, and unexpected closures.

Business Property & Contents

Covers restaurant fit-out, furniture, décor, commercial kitchen equipment, POS systems, fridges, tandoors, utensils, and décor against fire, theft, storm, and accidental damage.

Public & Products Liability

Absolutely essential for restaurants. Covers injury or property damage, including:

• Customer slips and falls
• Burns from hot plates or food
• Food poisoning or allergic reactions
• Damage caused during deliveries

This is one of the most important policies for Indian restaurants.

Machinery Breakdown

Covers sudden breakdown of essential equipment, including:

• Tandoor ovens
• Gas burners
• Deep fryers
• Refrigerators & cool rooms
• Freezers
• Ventilation & exhaust systems
• Ovens & hot plates

A breakdown during service can force closures. This cover ensures fast repair or replacement.

Electronic Breakdown

Covers electrical equipment such as:

• POS terminals
• Ordering tablets
• Online booking systems
• Temperature monitors
• Refrigeration electronics

Stock & Food Spoilage

Protects perishable ingredients such as meats, seafood, dairy, vegetables, and curry bases if refrigeration fails or a power outage occurs.

General Property (Portable Equipment)

Ideal for mobile catering, food festivals, or external events. Covers portable cooking equipment, utensils, POP displays, and serving tools.

Goods in Transit

Covers ingredients and takeaway food items transported between locations or during delivery.

Business Interruption

Provides income protection if your restaurant is forced to close due to an insured event such as fire, storm damage, machinery failure, or contamination. Covers wages, rent, utilities, and ongoing expenses.

Glass & Signage

Covers accidental breakage of external windows, glass partitions, display cabinets, and illuminated signage.

Money & Theft

Protects against cash theft, break-ins, vandalism, and internal theft.

Management Liability Insurance

Most Indian restaurants rely on a mix of full-time, part-time, and casual staff. This increases the risk of employment-related claims.

Management Liability covers:

• Unfair dismissal or wrongful termination
• Harassment or discrimination allegations
• Wage and award disputes
• OH&S investigations
• Claims of mismanagement

A must-have for any hospitality business with staff.

Cyber Insurance

Indian restaurants increasingly rely on:

• Delivery apps (Uber Eats, Menulog, DoorDash)
• Digital payments
• Online reservations
• POS systems
• QR menus

Cyber Insurance protects your business from:

• Ransomware
• Payment terminal hacks
• Data breaches
• Invoice scams
• POS or website downtime

Cyber attacks target businesses of all sizes, including restaurants.

Why Standard Insurers Often Decline Indian Restaurants

Many general insurers avoid restaurants using:

• High-heat cooking
• Deep fryers & oil-heavy cuisine
• Charcoal or tandoor cooking
• Large refrigeration demands
• Delivery operations
• High foot traffic

Standard policies often exclude the exact risks Indian restaurants face.

Morgan Insurance Brokers works with hospitality-focused insurers that cover these risks properly, not with dangerous exclusions or gaps.

Why Choose Morgan Insurance Brokers

We specialise in hospitality insurance and have extensive experience insuring Indian restaurants, curry houses, takeaway venues, and delivery kitchens across Australia.

Why restaurant owners choose us:

• Access to specialist hospitality insurers
• Tailored policies for Indian cuisine’s unique risks
• In-depth understanding of tandoor and high-heat cooking exposures
• Fast, personal service
• Full claims management
• Competitive pricing with comprehensive cover

We work for you, ensuring your restaurant receives the correct level of protection from day one.

Get a Quote for Indian Restaurant Insurance

Protect your Indian restaurant with a tailored insurance package designed specifically for high-heat cooking, dine-in service, takeaway, and delivery operations.

Contact Morgan Insurance Brokers for a free, no-obligation quote.

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by lauren

Coffee Shop Insurance

Coffee shops are the heart of many communities, from early-morning espresso rushes to weekend brunch crowds. But behind the warm atmosphere and great coffee, cafés face significant business risks every day. Hot equipment, busy customer areas, food handling, and staff movement all increase exposure to liability and property damage.

Because of these risks, coffee shops need specialist hospitality insurance, not generic business policies that miss key exposures.

Morgan Insurance Brokers works with a panel of specialist café insurers who understand the unique risks of coffee shops, espresso bars, and boutique cafés, ensuring your business receives complete and tailored protection.

Why Coffee Shops Need Tailored Insurance

Coffee shops combine food service, customer traffic, and valuable equipment. Even small incidents can disrupt trading or cause financial loss.

Key risks include:

• Burns and scalds from hot water, coffee machines, and steam wands
• Slip and fall incidents from spills or high foot traffic
• Theft of portable items such as tablets, laptops, or small equipment
• Fires from coffee roasters, ovens, and electrical equipment
• Equipment breakdown (coffee machines, grinders, refrigerators)
• Food handling risks involving pastries, dairy, and fresh produce
• Staff injuries during peak times

These exposures mean coffee shops require insurance tailored to hospitality risks, not retail or general business risks.

Coffee Shop Insurance Cover Options

A comprehensive Coffee Shop Insurance Package includes key protections you need to operate safely and confidently.

Business Property & Contents

Covers your café fit-out, furniture, décor, stock, and equipment against fire, theft, vandalism, and accidental damage.

Public & Products Liability

Essential for coffee shops. Covers injury or property damage to customers or the public. Slip-and-fall claims are particularly common in coffee shops.

Machinery Breakdown

Covers sudden failure of essential equipment such as:

• Espresso machines
• Coffee grinders
• Refrigeration and display fridges
• Ovens, toasters, and dishwashers
• Air conditioning units

Breakdowns can shut down your coffee shop, this cover helps you get back online quickly.

Electronic Breakdown

Covers POS systems, ordering tablets, EFTPOS terminals, and electronic controls on machinery.

Stock & Food Spoilage

Protects milk, dairy products, pastries, and perishable goods if refrigeration fails or a power outage occurs.

General Property (Portable Equipment)

Ideal for cafés that use portable gear such as:

• Catering equipment
• Coffee carts
• Portable grinders
• Mobile POS devices

Covers accidental damage, theft, and loss Australia-wide.

Business Interruption

Provides income replacement if you must close temporarily due to an insured event such as fire, storm damage, or major equipment failure. Helps cover rent, wages, utilities, and ongoing expenses.

Glass & Signage

Covers accidental breakage of windows, internal glass, and illuminated café signage.

Money & Theft

Protects against burglary, cash theft, and robbery, common for small hospitality venues.

Management Liability Insurance

If your coffee shop employs staff, Management Liability Insurance covers the business and its directors against:

• Unfair dismissal claims
• Allegations of harassment or discrimination
• OH&S breaches
• Wage and award disputes
• Regulatory investigations

Casual and shift-based hospitality staff make this cover particularly important for cafés.

Cyber Insurance

Coffee shops increasingly rely on digital systems, online ordering, QR codes, loyalty apps, POS, and payment systems.

Cyber Insurance protects against:

• Hacked payment terminals
• Ransomware attacks
• Customer data breaches
• Invoice fraud
• System downtime affecting POS

Even small coffee shops are targets due to their high transaction volume.

Why Standard Insurers Often Don’t Cover Coffee Shops Correctly

Many general insurers do not fully understand coffee shop operations. Common problems with standard policies include:

• Exclusions for food handling incidents
• No cover for machinery breakdown (coffee machine failure)
• Limited business interruption cover
• Inadequate public liability limits
• No cover for portable café equipment
• Missing spoilage protection

Morgan Insurance Brokers uses a specialist panel of hospitality insurers who understand coffee shop risks and provide full coverage that general policies overlook.

Why Choose Morgan Insurance Brokers

We specialise in hospitality insurance and work with cafés of all size, from small espresso bars to large brunch venues.

Why café owners choose us:

• Access to hospitality-specific insurers
• Tailored insurance packages based on your equipment & operations
• Expert understanding of café risks and compliance
• Fast claims support and personal service
• Competitive pricing with no hidden exclusions

We work for you, not the insurer, ensuring your coffee shop is protected properly.

Get a Quote for Coffee Shop Insurance

Protect your café with a tailored insurance package designed specifically for coffee shops and espresso bars.

Contact Morgan Insurance Brokers today for a free, no-obligation quote.

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by lauren

What Insurance Does a New Restaurant Need?

Opening a new restaurant is exciting, from designing your menu to creating the perfect atmosphere. But before you begin serving customers, it’s crucial to ensure your business is protected with the right restaurant insurance. Restaurants face a mix of operational, food safety, staff, and public liability risks, and the wrong policy can leave new owners exposed to costly claims and disruptions.

This guide explains what insurance a new restaurant needs, why each cover matters, and how Morgan Insurance Brokers helps hospitality start-ups get the right protection from day one.

Why New Restaurants Need the Right Insurance From the Start

Launching a restaurant involves significant investment in fit-out, equipment, stock, and staffing. At the same time, new businesses face high risk because:

• You are still refining processes and training staff
• Insurance claims are more common in the early stages
• Fit-out and equipment failures can cause financial stress
• Food safety issues and customer traffic increase liability
• Even minor disruptions can impact cash flow

Because of this, choosing the right insurance from the beginning is essential for long-term success.

Essential Insurance Policies for New Restaurants

Below are the core covers every new restaurant should consider.

Business Property & Contents Insurance

This protects your physical assets, including:

• Commercial kitchen equipment
• Fit-out, furniture, and décor
• Refrigeration units
• POS systems and electronics
• Stock and ingredients

It covers loss or damage caused by fire, theft, vandalism, storms, or accidental damage.

For new restaurants with large upfront investments, this cover is non-negotiable.

Public & Products Liability Insurance

One of the most important policies for restaurants.

Public Liability insurance protects your business if a customer, supplier, or member of the public suffers:

• Injury (e.g., slip and fall, burn from hot food)
• Illness (e.g., food poisoning, allergic reaction)
• Property damage

Without liability cover, your restaurant could face legal fees, compensation payments, and financial loss.

Machinery Breakdown Insurance

New restaurants rely heavily on equipment. Machinery Breakdown covers unexpected failure of:

• Fridges and freezers
• Deep fryers and ovens
• Grills, woks, and cooktops
• Coffee machines
• Exhaust and ventilation systems

A single breakdown can shut down service. This cover helps you repair or replace equipment quickly.

Electronic Breakdown Insurance

Modern restaurants rely on electronic systems like:

• POS terminals
• Digital ordering systems
• Temperature monitoring devices
• Website booking systems

Electronic Breakdown covers failure due to power surge or internal malfunction.

Stock & Food Spoilage Insurance

Restaurants store high-value stock and perishable food. This cover protects against spoilage due to:

• Power outages
• Refrigeration failure
• Machinery breakdown
• Contamination

This is especially critical for new restaurants still establishing cash flow.

Business Interruption Insurance

If your restaurant is forced to close due to an insured event (like fire, storm, or equipment failure), this cover helps pay:

• Rent
• Wages
• Utilities
• Supplier contracts
• Lost profit

Business Interruption is essential for new restaurants because even a short closure can cause severe financial strain.

Glass & Signage Insurance

Restaurants often have shopfront glass, partitions, mirrors, and illuminated signage. Accidental breakage can be costly, this cover pays for replacement.

Money & Theft Insurance

Protects against:

• Theft of cash on premises
• After-hours break-ins
• Armed robbery
• Employee theft

Restaurants often handle cash, increasing risk.

General Property (Portable Equipment)

If your restaurant uses portable equipment for:

• Catering
• Outdoor events
• Pop-up stalls
• Deliveries

General Property covers loss, theft, and accidental damage of items taken off-site.

Management Liability Insurance

If your restaurant employs staff, Management Liability protects owners and managers from claims related to:

• Unfair dismissal
• Bullying or discrimination allegations
• OH&S breaches
• Wage or award disputes
• Mismanagement claims

For new restaurants building their team culture, this is vital protection.

Cyber Insurance

New restaurants use digital systems for online bookings, POS integration, QR code menus, and delivery platforms. Cyber Insurance protects you against:

• Ransomware
• Payment terminal hacks
• Data breaches
• Invoice fraud
• Website outages

Even small restaurants are targeted by cyber criminals.

Why Standard Insurers Often Mis-Cover Restaurants

Generic small-business insurance rarely covers restaurant-specific risks such as:

• High-heat cooking equipment
• Food contamination
• Refrigeration failure
• Staff injuries
• High customer turnover

Working with a hospitality-specialist broker ensures you get the correct cover without dangerous exclusions.

How Morgan Insurance Brokers Helps New Restaurants

Starting a restaurant is stressful, your insurance shouldn’t be.

Morgan Insurance Brokers specialises in hospitality insurance, helping new restaurants secure the right cover at competitive prices.

We help by:

• Comparing policies from specialist hospitality insurers
• Tailoring cover based on your cooking methods, equipment, and operations
• Identifying gaps that standard insurers miss
• Providing guidance on compliance and risk management
• Managing your claims quickly and professionally

We work for you, not the insurer, ensuring your restaurant starts strong and stays protected.

Get a Quote for New Restaurant Insurance

If you’re opening a restaurant, make sure your business is fully protected from day one with adequate restaurant insurance.

Contact Morgan Insurance Brokers for a free, no-obligation quote tailored to your new restaurant.

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by lauren

Ice Cream Shop Insurance

Ice cream shops and gelato bars may look low-risk on the surface, but behind the bright colours and sweet treats are serious business exposures. From expensive refrigeration units and high-value ingredients to slip hazards and equipment failures, ice cream stores need specialist hospitality insurance, not a general retail policy.

Morgan Insurance Brokers works with a panel of specialist hospitality insurers who understand the unique risks in ice cream shops, gelato bars, frozen yoghurt stores, and dessert venues.

Why Ice Cream Shops Need Specialist Insurance

Ice cream stores run a mix of food service, retail, and refrigeration-dependent operations. This creates risks that many standard insurers do not cover correctly.

Key risk factors include:

• Cold storage dependence for ice cream, gelato, and toppings
• High food spoilage risk after power outages or equipment failure
• Slip hazards from spills, cones dropped on floors, or melted ice cream
• Expensive machinery, including batch freezers and display cabinets
• Allergen concerns, including nuts, dairy, eggs, and cross-contamination
• Staff injuries from repetitive motions or equipment handling
• High summer foot traffic, increasing liability exposure

Because of these risks, ice cream stores need tailored hospitality insurance, not generic retail cover.

Ice Cream Shop Insurance Cover Options

A tailored Ice Cream Shop Insurance Package protects your business from property damage, stock loss, liability claims, and equipment breakdown.

Business Property & Contents

Covers shop fit-out, counters, décor, commercial freezers, batch freezers, mixers, and all general contents from fire, theft, vandalism, or accidental damage.

Public & Products Liability

One of the most important covers for ice cream stores. Protects you if a customer or third party suffers injury or property damage, including:

• Slip-and-fall incidents from melted ice or spills
• Allergic reactions
• Food contamination
• Burns in shops with coffee machines or waffle makers

This is essential for any walk-in dessert venue.

Machinery Breakdown

Ice cream shops rely heavily on refrigeration. Machinery breakdown covers:

• Display freezers
• Batch freezers
• Upright freezers & cool rooms
• Gelato machines
• Milkshake and smoothie machines

If these break down, you risk thousands in stock loss and lost trade.

Electronic Breakdown

Covers:

• POS systems
• Temperature control systems
• Ordering tablets
• Refrigeration electronics

Stock & Food Spoilage

Critical for ice cream shops. Covers spoilage due to:

• Power outages
• Freezer failures
• Machinery breakdown
• Contamination
• Incorrect temperature control

High-value gelato and dairy stock must be protected.

General Property (Portable Equipment)

Covers mobile or portable equipment used for catering, markets, pop-up stands, or events.

Business Interruption

Provides income support if your shop must close due to an insured event such as fire, storm damage, or freezer breakdown. Helps cover wages, rent, utilities, and ongoing costs.

Glass & Signage

Covers accidental damage to display glass, shopfront windows, internal panels, and illuminated signage.

Money & Theft

Protects against break-ins, cash theft, internal theft, and damage caused by burglars.

Management Liability Insurance

Ice cream shops often employ casual staff, teenagers, or seasonal workers, increasing HR and compliance risks.

Management Liability covers:

• Unfair dismissal claims
• Employee harassment or discrimination allegations
• OH&S investigations
• Wage disputes
• Claims of mismanagement

A crucial protection for any hospitality business with employees.

Cyber Insurance

Ice cream shops commonly use:

• POS systems
• Online ordering
• Payment terminals
• QR code menus

Cyber Insurance protects you from ransomware, hacked payment terminals, invoice scams, and customer data breaches.

Why Standard Insurers Often Decline Ice Cream Stores

Although ice cream shops seem simple, they’re considered higher risk due to:

• Reliance on refrigeration
• Expensive machinery
• High food spoilage exposure
• Slip & fall hazards
• Heavy customer traffic in warmer months
• Allergen-related product liability risks

General insurers often exclude spoilage, machinery breakdown, or key liability protections.

Morgan Insurance Brokers works with insurers who specialise in hospitality and understand the risks of ice cream and gelato stores.

Why Choose Morgan Insurance Brokers

We specialise in insuring cafés, gelato bars, dessert shops, frozen yoghurt stores, and other hospitality venues.

Why ice cream shop owners choose us:

• Access to specialist hospitality insurers
• Tailored coverage for refrigeration-heavy businesses
• Expertise in stock spoilage, liability, and equipment risks
• Fast and personal support
• Full claims management
• Competitive premiums without unnecessary exclusions

We ensure your ice cream shop is protected properly, summer, winter, and everything in between.

Get a Quote for Ice Cream Shop Insurance

Protect your gelato store or ice cream shop with specialist hospitality insurance from Morgan Insurance Brokers.

Contact us today for a free, no-obligation quote.

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by lauren

Chinese Restaurant Insurance

Chinese restaurants are some of the busiest and most diverse hospitality venues in Australia. With a combination of dine-in service, takeaway, delivery orders, commercial wok cooking, and high customer turnover, these restaurants face unique risks that standard insurers often refuse to cover properly.

Hot woks, high flames, oil vapours, deep fryers, delivery logistics, and food handling create a risk profile that requires specialist hospitality insurance, not basic retail or generic business cover.

Morgan Insurance Brokers works with a panel of specialist restaurant insurers who understand the risks of Chinese restaurants, from large dine-in venues to takeaway outlets and delivery-focused kitchens.

Why Chinese Restaurants Need Specialist Insurance

Chinese restaurants use high-heat cooking methods and fast-paced operations that significantly increase risk.

Common risk factors include:

• Wok cooking with extremely high flames and heat output
• Deep fryers used for dishes like spring rolls, fried rice, and crispy pork
• Oil vapours and grease build-up, increasing exhaust duct fire risk
• Slip and fall hazards from constant foot traffic and kitchen spills
• Cold room and freezer reliance, especially for seafood and produce
• Food contamination risks, including seafood, poultry, and allergens
• Delivery driver risks for restaurants offering home delivery
• Staff injuries, including burns, cuts, lifting injuries, and strains

These exposures mean Chinese restaurants need insurance tailored to high-heat cooking, takeaway operations, and delivery services.

Chinese Restaurant Insurance Cover Options

A tailored Chinese Restaurant Insurance Package protects your business from equipment failure, liability incidents, staff claims, and unexpected disruptions.

Business Property & Contents

Covers your restaurant fit-out, furniture, décor, kitchen equipment, appliances, and general contents from fire, theft, vandalism, or accidental damage.

Public & Products Liability

Absolutely essential. Covers injury or damage caused to customers, delivery drivers, or the public, including:

• Slip-and-fall incidents
• Burns from hot plates or cooking oil
• Food poisoning or allergen reactions
• Property damage caused during deliveries

High liability exposure means this cover must be arranged through specialist hospitality insurers.

Machinery Breakdown

Chinese restaurants rely on:

• Wok burners & wok ranges
• Deep fryers
• Steamers & rice cookers
• Refrigeration & cool rooms
• Freezers
• Exhaust & ventilation systems

A breakdown can shut down service immediately. Machinery breakdown ensures quick repairs or replacement.

Electronic Breakdown

Protects POS systems, online ordering tablets, temperature controllers, kitchen display screens, and other electronic equipment.

Stock & Food Spoilage

Covers loss of perishable stock like seafood, meat, vegetables, and cooked items due to refrigeration failure, power outage, or contamination.

General Property (Portable Equipment)

Ideal for mobile catering, outdoor service, or pop-up food stalls. Covers portable cooking gear, utensils, and event equipment.

Goods in Transit

Covers ingredients, supplies, and takeaway food while being transported — especially useful for businesses with delivery operations.

Business Interruption

Covers lost income if your restaurant must close due to fire, equipment breakdown, storm damage, or other insured events. Helps cover rent, wages, and fixed expenses.

Glass and Signage

Covers accidental breakage of external windows, display cabinets, and illuminated signage.

Money & Theft

Protection from burglary, cash theft, internal theft, and break-ins.

Management Liability Insurance

Chinese restaurants often operate with a mix of full-time, part-time, and casual staff. This increases the likelihood of HR-related claims.

Management Liability protects owners and directors from:

• Unfair dismissal claims
• Employee harassment or discrimination claims
• OH&S investigations
• Wage and award disputes
• Claims of mismanagement

This cover is essential for any hospitality business with employees.

Cyber Insurance

Chinese restaurants commonly rely on:

• Delivery platforms (Uber Eats, Menulog, DoorDash)
• Online ordering systems
• Payment terminals
• QR code menus
• POS integration

Cyber Insurance protects you from data breaches, ransomware, payment terminal hacks, invoice scams, and system outages.

Why Standard Insurers Often Decline Chinese Restaurants

General insurers frequently avoid Chinese restaurants due to:

• High fire risk from wok cooking
• Grease load in extraction systems
• High claim frequency for slips and burns
• Delivery liability complications
• Equipment-intensive kitchens
• High-value seafood stock

Standard business policies often exclude the very things you need covered.

Morgan Insurance Brokers works with hospitality-focused insurers who cover these risks properly.

Why Choose Morgan Insurance Brokers

We specialise in hospitality insurance and restaurant insurance, with deep experience covering Chinese restaurants, takeaway shops, and delivery-focused venues.

Owners choose us because:

• We access specialist insurers who accept high-risk cooking methods
• We tailor cover to dine-in, takeaway, and delivery setups
• We understand Chinese restaurant equipment and food handling risks
• We offer honest, personalised service
• We manage claims from start to finish
• We secure strong protection at competitive premiums

We work for you, ensuring your restaurant is properly covered, not underinsured.

Get a Quote for Chinese Restaurant Insurance

Protect your Chinese restaurant with a tailored hospitality insurance package designed for high-heat cooking, takeaway, and delivery operations.

Contact Morgan Insurance Brokers today for a free, no-obligation quote.

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by lauren

Korean Restaurant Insurance

Korean restaurants are some of the most vibrant and fast-paced hospitality venues, from tabletop grills and hot pots to busy dine-in service, takeaway, and high-value ingredients. But with this comes increased risk. Open flames, hotplates, ventilation systems, smoke, seafood handling, crowded dining areas, and staff exposure all create a risk profile that standard insurers often refuse to cover properly.

That’s why Korean restaurant owners need specialist hospitality insurance, not generic retail or café insurance.

Morgan Insurance Brokers works with a panel of specialist restaurant insurers who understand the unique risks of Korean BBQ venues, Korean fried chicken shops, traditional restaurants, and modern fusion establishments.

Why Korean Restaurants Need Specialist Insurance

Korean cuisine involves cooking styles and equipment that significantly increase fire, liability, and equipment risks.

Common Korean restaurant risks include:

• Open-flame tabletop BBQ grills
• High smoke and heat levels increasing duct and exhaust fire exposure
• Gas and charcoal cooking equipment
• Deep fryers used for Korean fried chicken
• High foot traffic in dine-in areas
• Slip and fall hazards from spills and steam condensation
• Seafood storage and contamination risks
• Staff burns, cuts, and manual handling injuries
• Potential alcohol-related incidents if you serve soju or Korean beer

These risks mean Korean restaurants require specialist cover tailored to high-heat cooking, not basic restaurant insurance.

Korean Restaurant Insurance Cover Options

A customised Korean Restaurant Insurance Package protects you from operational hazards, equipment failures, staff risks, and unexpected events.

Business Property & Contents

Covers your restaurant fit-out, décor, tables, chairs, cooking appliances, signage, and general contents from fire, theft, vandalism, and accidental damage.

Public & Products Liability

Absolutely essential for Korean BBQ venues. Covers injuries or property damage involving:

• Tabletop BBQ burns
• Slips and falls caused by spills
• Allergic reactions or food poisoning
• Incidents involving hot plates or grills

This is one of the most important insurance protections for Korean restaurants.

Machinery Breakdown

Korean restaurants rely heavily on:

• Commercial grills
• Ventilation hoods & ducting
• Deep fryers
• Refrigeration & cool rooms
• Freezers
• Hot plates & gas appliances

A breakdown during service can halt operations. Machinery breakdown ensures fast repair or replacement.

Electronic Breakdown

Covers POS systems, ordering screens, ventilation controllers, temperature monitors, and other electronic equipment.

Stock & Food Spoilage

Protects valuable stock such as beef, pork belly, seafood, noodles, sauces, and produce if refrigeration fails or there is a power outage.

General Property (Portable Equipment)

Covers any mobile or portable equipment used for events, catering, or off-site cooking demonstrations.

Business Interruption

Provides income support if you must close temporarily due to fire, storm damage, major equipment failure, or another insured event. Helps cover rent, wages, utilities, and ongoing bills.

Glass & Signage

Covers accidental breakage of windows, internal glass partitions, and illuminated signage.

Money & Theft

Protects against break-ins, cash theft, or property stolen from the business.

Management Liability Insurance

Korean restaurants often employ a mix of full-time chefs, casual staff, students, and family workers. This increases the risk of HR-related claims.

Management Liability protects owners and directors from:

• Unfair dismissal claims
• Casual employment disputes
• Bullying or harassment allegations
• OH&S breaches and investigations
• Wage or award disputes
• Claims of mismanagement

This cover is vital for any hospitality business with staff.

Cyber Insurance

Most Korean restaurants rely on multiple digital systems, including POS, QR code menus, food delivery platforms, loyalty apps, and bookings.

Cyber Insurance protects your business from:

• Ransomware
• Hacked payment systems
• Customer data breaches
• Invoice fraud
• Booking system outages

Even small restaurants are common cyber targets.

Why Standard Insurers Often Decline Korean Restaurants

Korean BBQ restaurants, especially those with tabletop grills and charcoal cooking, are considered high-risk by general insurers.
Common issues with standard policies include:

• Exclusions for open-flame or solid fuel cooking
• No machinery breakdown cover
• Inadequate business interruption limits
• Poor food spoilage protection
• Reduced liability cover for burns or heat-related injuries
• Exclusions for alcohol-related incidents

Morgan Insurance Brokers avoids these pitfalls by using specialist hospitality insurers that welcome Korean restaurants and understand their equipment, cooking processes, and risk management needs.

Why Choose Morgan Insurance Brokers

We specialise in hospitality insurance and restaurant insurance, with deep experience insuring Korean eateries across Australia.

Korean restaurant owners choose us because:

• We access specialist hospitality insurers (not general markets)
• We understand high-heat cooking risks and ventilation requirements
• We tailor policies for Korean BBQ, fried chicken venues, and dine-in restaurants
• We provide fast support and transparent communication
• We manage claims from start to finish
• We secure competitive premiums without hidden exclusions

We work for you, ensuring your restaurant is covered properly.

Get a Quote for Korean Restaurant Insurance

Protect your Korean restaurant with a tailored insurance package designed for the unique risks of Korean cuisine and BBQ venues.

Contact Morgan Insurance Brokers today for a free, no-obligation quote.

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by lauren

Steakhouse Insurance

Steakhouses are known for high-quality dining, commercial grills, open flames, and busy service, but they also face some of the highest risks in the hospitality industry. From high-temperature cooking equipment and open-flame grills to premium stock and busy dining rooms, steakhouses require specialist insurance, not generic café or restaurant cover.

Morgan Insurance Brokers works with a panel of specialist hospitality insurers who understand the unique risks of steakhouses and can provide the tailored protection your venue needs.

Why Steakhouses Need Specialist Insurance

Steakhouses operate differently to standard restaurants. They typically use larger, hotter, and more complex cooking appliances, handle high-value food products, and often serve alcohol, all of which increase risk.

Common steakhouse risks include:

• High fire risk from chargrills, solid fuel grills, gas appliances, and open flame cooking
• Smoke and grease build-up, leading to fire hazards in ducts and exhaust systems
• Slip and fall risks from busy dining floors and kitchen spills
• Premium stock losses, such as aged steaks, seafood, and fine wine
• Burns and injuries from high-heat cooking environments
• Alcohol-related incidents for steakhouses that offer bar service
• Equipment breakdown, which can halt service during peak times

These risks make it essential to work with a broker who specialises in restaurants and understands what steakhouses truly need.

Steakhouse Insurance Cover Options

A tailored Steakhouse Insurance Package protects your business from everyday hazards, equipment failure, staff-related risks, and unexpected events.

Business Property & Contents

Protects your restaurant fit-out, décor, kitchen equipment, tables, chairs, and stock against fire, theft, storm damage, or accidental loss.

Public & Products Liability

One of the most important covers for steakhouses. Protects your business if a customer is injured or becomes ill from food served at your venue. Covers slip-and-fall incidents, burns, or allergic reactions.

Machinery Breakdown

Steakhouses rely heavily on equipment such as:

• Chargrills & commercial grills
• Refrigeration & cool rooms
• Freezers
• Ovens & hotplates
• Ventilation & extraction systems
• Salamanders
• Dishwashers

If any of these fail, service stops. Machinery breakdown keeps your venue running.

Electronic Breakdown

Covers failures of:

• POS systems
• Ordering tablets
• Temperature control systems
• Kitchen display screens
• Refrigeration electronics

Stock & Food Spoilage

Protects high-value stock such as premium cuts, aged beef, seafood, and produce if refrigeration fails or a power outage occurs.

General Property (Portable Tools & Equipment)

Covers any portable equipment you take off-site for events, catering, or outdoor functions.

Business Interruption

Covers your financial losses if your steakhouse must close due to fire, equipment breakdown, storm damage, or another insured event. Helps pay wages, rent, utilities, and loan repayments.

Glass & Signage

Covers the accidental breakage of internal and external glass, including windows, mirrors, and illuminated signage.

Money & Theft

Protection against burglary, cash theft, and vandals targeting the venue.

Management Liability Insurance

Steakhouses often employ a mix of full-time chefs, casual waitstaff, bartenders, and supervisors. This creates HR and compliance risks that standard policies do not cover.

Management Liability protects against:

• Unfair dismissal claims
• Employee harassment or discrimination claims
• OH&S breaches or investigations
• Allegations of mismanagement
• Wage and award disputes

This is critical cover for any hospitality venue with staff.

Cyber Insurance

Many steakhouses rely on digital systems for online bookings, payment systems, loyalty programs, QR codes, and POS integration.

Cyber Insurance protects your business from:

• Ransomware
• Hacked POS systems
• Data breaches
• Invoice fraud
• Website or reservation system outages

Cyber attacks can happen to any business, including small restaurants.

Why Standard Insurers Often Decline Steakhouses

Steakhouses present a combination of high fire exposure, high foot traffic, expensive equipment, and alcohol service — which many standard insurers avoid.

Typical exclusions from general insurers include:

• No cover for grill or solid fuel cooking fires
• Missing machinery breakdown cover
• Limited business interruption cover
• Exclusions for food poisoning
• Exclusions for bar or liquor-related incidents

Morgan Insurance Brokers works exclusively with hospitality-focused insurers who specialise in higher-risk venues and understand steakhouse operations.

Why Choose Morgan Insurance Brokers for your Steakhouse Insurance

We specialise in hospitality and restaurant insurance, helping steakhouses, fine-dining venues, and grill restaurants across Australia find the right cover.

Why steakhouse owners choose us:

• Access to specialist hospitality insurers
• Tailored cover for high-heat cooking environments
• Deep understanding of restaurant compliance and risks
• Fast responses and personal service
• Full claims support from start to finish
• Competitive premiums without hidden exclusions

We work for you, not the insurer, ensuring your steakhouse is properly protected.

Get a Quote for Steakhouse Insurance

Protect your steakhouse with a tailored hospitality insurance package from Morgan Insurance Brokers.

Contact us today for a free, no-obligation quote.

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by lauren

Pub Insurance

Running a pub is rewarding, but it also involves significant risks that make pub insurance essential for protecting your business. With alcohol service, gaming areas, live entertainment, commercial kitchens, staff management, and high customer traffic, pubs face exposures that most standard insurers cannot or will not cover.

That’s why pub owners need specialist pub insurance designed specifically for licensed venues, not generic business policies filled with exclusions.

Morgan Insurance Brokers works with a panel of specialist hospitality insurers who understand the risks involved in running pubs, hotels, taverns, sports bars, and entertainment venues.

Why Standard Insurers Often Refuse to Cover Pubs

Pubs operate in a higher-risk category due to their licensing, trading hours, and customer volume. Standard commercial insurers usually decline cover or impose major exclusions.

Common reasons insurers avoid pubs include:

• Alcohol-related incidents and intoxication exposure
• High foot traffic and increased slip/trip claim frequency
• Security requirements and crowd management risks
• Live music, entertainment, or gaming machines
• Late-night trading hours
• Increased fire hazards in commercial kitchens
• Complex liquor licensing obligations

Because of these risks, pubs require tailored insurance policies from hospitality-specific insurers, not general business markets.

Comprehensive Pub Insurance Cover

A tailored Pub Insurance Package includes all core protections needed for licensed venues.

Business Property & Contents

Covers your building fit-out, furniture, stock, commercial kitchen, entertainment equipment, and bar systems from fire, vandalism, theft, or accidental damage.

Public & Products Liability

One of the most important covers for pubs. Protects you if a patron or third party is injured or their property is damaged. This includes alcohol-related incidents, slips and falls, and food-related claims.

Machinery Breakdown

Covers refrigeration units, cool rooms, beer line chillers, kitchen equipment, and other machinery essential to your venue’s operations.

Electronic Breakdown

Covers POS terminals, ordering tablets, sound systems, lighting controls, and refrigeration electronics.

Business Interruption

Provides income replacement if your pub is unable to trade following an insured event, such as fire or significant equipment failure. Helps you pay wages, rent, utilities, and ongoing expenses.

Glass & Signage

Covers accidental breakage of external windows, mirrors, internal glass panels, and illuminated signage.

Theft & Money

Protects against burglary, break-ins, vandalism, and theft of cash from the premises.

Cyber Insurance

Protects your venue’s digital systems, including bookings, EFTPOS, gaming databases, and customer data, from cyber attacks, ransomware, or data breaches.

Management Liability Insurance

With a large team of casual, part-time, and full-time staff, pubs face significant employment-related risks. Management Liability Insurance protects the business and decision-makers from claims such as:

• Bullying or harassment allegations
• Unfair dismissal
• Wage and award disputes
• OH&S investigations
• Breach of duty claims

This is critical protection for licensed venues with complex staffing structures.

Additional Cover Considerations for Pubs

Pubs often have unique risks not found in other hospitality businesses.

Gaming Machine Cover

If your pub operates gaming machines, you may require specialist cover for physical damage, theft, breakdown, or loss of income.

Outdoor Smoking Areas & Beer Gardens

Higher slip and fall risk, weather exposure, and glass breakage incidents are more common in these areas.

Live Entertainment & Bands

Events create additional liability risk that must be properly insured.

Function & Private Event Areas

Food safety, crowd control, and alcohol service risks increase during events.

A specialist broker ensures every element of your venue is fully covered, without hidden exclusions.

Why You Need a Specialist Hospitality Broker

Insurance for pubs is complex. Standard brokers often struggle to place cover because they don’t work with the right markets.

Morgan Insurance Brokers provides complete support and industry-specific expertise.

We help pub owners by:

• Accessing specialist pub insurers not available to general brokers
• Identifying hidden exclusions that leave pubs exposed
• Tailoring policies to your trading hours, venue layout, staffing, and entertainment
• Managing your claims from start to finish
• Ensuring you get fair treatment and the correct level of cover

You get peace of mind knowing your pub is protected by experts who understand the industry.

Why Choose Morgan Insurance Brokers for your Pub Insurance

We specialise in hospitality insurance, including pubs, taverns, bars, nightclubs, and restaurants.

Why pub owners choose us:

• Access to specialist hospitality insurers
• Deep knowledge of liquor licensing and pub-specific risks
• Honest advice and personalised service
• Fast and dedicated claims support
• Competitive premiums from trusted, specialist markets

Our goal is simple: protect your venue properly so you can operate with confidence.

Get a Quote for Pub Insurance

Protect your pub with specialist pub insurance tailored to your business.

Contact Morgan Insurance Brokers today for a free, no-obligation quote.

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by lauren

Catering Business Insurance | Specialist Hospitality Broker

Catering businesses operate in fast-paced, unpredictable environments. Whether you run a commercial kitchen, cater weddings and corporate events, operate a food truck, or prepare meals onsite in private homes, your business faces a wide range of risks.

Because caterers work off-site, transport equipment, and handle food in unfamiliar locations, standard insurers often cannot cover catering businesses properly. Many impose exclusions for off-site cooking, food transport, equipment damage, or liability at third-party venues.

Morgan Insurance Brokers specialises in hospitality insurance and catering insurance, giving you access to a panel of insurers who understand the risks of mobile food operations.

Why Catering Businesses Need Specialist Insurance

Caterers face risks that differ significantly from fixed-location restaurants. Every venue, event, and job brings new challenges.

Common risks include:

• Food transport hazards, such as temperature issues or spoilage during transit
• Slip, trip, and burn risks while working in unfamiliar kitchens or event venues
• Equipment damage during loading, unloading, or while in use
• Food contamination, cross-contamination, or allergen exposure
• Venue property damage, especially when cooking on-site
• Client expectation risks, especially for weddings and corporate events

These risks often fall outside standard business insurance. Working with a specialist broker ensures every exposure is covered.

Business Package Insurance for Catering Businesses

A Catering Business Insurance Package brings your essential covers together into one tailored policy.

Contents and Stock

Covers kitchen fit-out, utensils, appliances, raw ingredients, and stock against fire, theft, and accidental damage.

General Property Cover

Ideal for portable catering equipment, including:

• Portable ovens and grills
• Chafing dishes and bain-maries
• Knives, utensils, and cookware
• Trestle tables, décor, and serving ware
• Coffee machines and beverage dispensers
• Generator units and portable fridges/freezers

This cover protects tools and equipment you take off-site, including accidental damage, theft, or loss anywhere in Australia.

Public and Products Liability

Essential protection if a client, venue guest, or member of the public claims injury or property damage. It also covers allegations of food poisoning, allergic reactions, or contamination, major risks for caterers.

Machinery Breakdown

Covers refrigeration units, bain-maries, ovens, and commercial kitchen appliances if they break down unexpectedly.

Electronic Breakdown

Covers POS devices, ordering tablets, digital thermometers, and temperature monitoring systems.

Goods in Transit

Covers your food, stock, and equipment while being transported between your kitchen, vehicles, and event locations.

Business Interruption

Covers loss of income and ongoing expenses if you’re unable to operate after an insured event such as fire or major equipment failure.

The Risks of Catering at Different Locations

Caterers face added complexity by working across multiple venues, each with unique safety challenges. These risks often cause standard insurers to decline cover.

Hospitality Venues (Function Centres, Hotels, Halls)

• Unfamiliar kitchens and layouts
• Wet flooring creating slip risks
• Shared equipment concerns
• High-volume service pressure

Private Homes

• No commercial ventilation or safe cooking areas
• Tripping hazards and cramped spaces
• Client property damage risks
• Limited access for equipment loading

Outdoor Events & Festivals

• Weather exposure affecting food safety
• Limited power access requiring generators
• Uneven ground increasing fall risks
• Greater risk of theft when site security is low

Corporate Offices

• Building restrictions on heat sources
• Strict safety and compliance regulations
• Risks from moving bulky equipment through office spaces

Because every location presents different hazards, you need insurance that covers any venue, any time — something standard business policies rarely allow.

Management Liability Insurance

Protects owners and management from claims involving employment practices, OH&S breaches, wage disputes, and regulatory actions. Essential for any catering business with staff.

Cyber Insurance

Online bookings, invoices, payment systems, and client data increase your cyber exposure. Cyber Insurance covers ransomware, hacked payment systems, and data breaches including recovery costs and lost income.

Why Standard Insurers Often Decline Caterers

Caterers are viewed as high-risk because of:

• Off-site food preparation
• Mobile operations
• Food poisoning liability
• Expensive equipment frequently transported
• Third-party venue interactions

Morgan Insurance Brokers uses a specialist panel of insurers who understand these risks and provide comprehensive cover without unreasonable exclusions.

Why Choose Morgan Insurance Brokers

We are hospitality insurance specialists with extensive experience covering mobile food operators, caterers, and event-based businesses.

Why caterers choose us:

• Access to specialist hospitality insurers
• Tailored cover for mobile and off-site catering
• Full protection for equipment, liability, and food safety risks
• Expert claims support from start to finish
• Competitive premiums backed by a broker who works for you

Get a Quote for Catering Business Insurance

Protect your catering business with a tailored insurance package designed by hospitality specialists.

Contact Morgan Insurance Brokers today for a free, no-obligation quote.

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by lauren