Question 1

How quickly can I get my certificate of currency for a landlord?

Accepted Answer

In most cases instantly. Once your policy is approved and paid online, your certificate of currency is available to download immediately and can be emailed straight to the property manager or centre management.

Question 2

Do you need insurance for a vending machine in Australia?

Accepted Answer

There is no law that forces you to insure a vending machine, but in practice you cannot place one without public liability cover. Shopping centres, office buildings, gyms, schools and workplaces all require a certificate of currency, usually for $10 million or $20 million, before they will sign a placement agreement.

Question 3

Do you cover hot coffee machines and perishable food vending?

Accepted Answer

Yes. Product liability responds to illness or injury caused by something a customer consumed from your machine, including hot beverages, snacks and refrigerated perishables. If you sell food or drink, product liability is the cover that matters most.

Question 4

How much does vending machine insurance cost in Australia?

Accepted Answer

Pricing depends on your turnover, machine count, machine types and the liability limit you need. Small single-machine operators generally sit at the lower end of small business liability pricing, while multi-machine routes with refrigeration and financed equipment cost more. Complete the quote form to see real figures for your route.

Question 5

Will this policy satisfy my finance company's asset insurance requirement?

Accepted Answer

Yes. Business insurance covering the physical machines against theft, vandalism, fire, storm and accidental damage can be included, which is what finance providers ask for before loan drawdown. You can have the certificate note the financier's interest.

Question 6

Can I add new machines to my policy as my route grows?

Accepted Answer

Yes. Coverage scales with your business. Liability limits are generally based on turnover rather than machine count, and machines listed for property cover can be updated as you buy or retire units.

Question 7

Is a certificate of currency the same as public liability insurance?

Accepted Answer

No. Public liability is the policy; the certificate of currency is the one-page document proving that policy is active, who it covers, the limit and the expiry date. Landlords ask for the certificate, but you need the policy first.

Vending machine insurance FAQs

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