Vending Machine Insurance in Australia — What You Actually Need

The essentials - **Public Liability ($20m):** non-negotiable. Most sites require proof before install. - **Product Liability:** usually bundled with public liability. Covers illness/injury from vended product. - **Machine (asset) cover:** covers vandalism, fire, water damage. Optional if you own outright; often required if financed.

The optionals - **Cash-in-transit:** worth it for cash-heavy routes; less relevant if 90%+ cashless. - **Business interruption:** rarely necessary for small operators. - **Cyber:** worth considering if you run cashless with customer data.

Rough costs (small operator, 10–30 machines) - Public + Product Liability: $700–$1,500/year. - Machine asset cover: $200–$400/year per machine over $5k value. - CIT: $300–$800/year depending on cash volume.

Pair this with a solid maintenance schedule and you've de-risked the operation.