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.