Hospitality Business Insurance

Insurance for your Hospitality Business

If you operate a store or a hospitality business you may have come to the SMART place for affordable and suitable cover.

Whether you operate a catering business, café, restaurant, function centre,take- away food shop,or a bar you face risks with the products you sell, by members of the public entering your workplace or by you and your team providing your service at a client venue or public space.

While everyone that you are providing hospitality services for is a customer, customers guest or potential client on the flip side, they are a potential insurance risk.

Also, even once your customers have left you may be responsible if things go wrong.

Many Business Owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

"Hayley was incredibly swift and helpful in finding a public liability insurer for our business. Would highly recommended SMART for your business insurance needs."

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Hospitality Business Insurance – what can it cover?*

Hospitality business insurance can cover all or some of the risks below. For more information on what it can cover , requirements and costs please TALK to one of our helpful business insurance brokers on 1300 542 573.

  • Public Liability – eg: injuries from slips and falls or accidents caused by your catering team to clients property or guests.
  • Product Liability – eg: product or service does not perform to reasonable expectations resulting in damages , or unwanted objects in food, food poisoning.
  • Business & General Property – eg: damage to building – vandalism.
  • Business Equipment – eg. Lighting , tables, seating, audio visual equipment,
  • Fire and Perils – eg: fire arising from flammable products in stock, or cooking, electrical malfunctions, unguarded flames and grease fires.If you prepare food offsite your preparation facility may present fire and other risks.
  • Crime – eg: cash and alcohol
  • Business Interruption – eg: profit associated with location in the event you are forced to close for an extended period.
  • Equipment Breakdown – eg: refrigerator breaking down resulting in loss of stock.
  • Commercial Fleet – insurance cover for vehicles used in transportation of food and/or equipment.

Public Liability and business insurance for hospitality businesses*

Types of hospitality businesses we may be able help find suitable and affordable cover for cover include:

  • Cafes
  • Restaurants
  • Take away food shops
  • Catering businesses
  • Function centres
  • DJ’s
  • Bars
  • Sushi bars
  • Sandwich bars
  • Juice bars
  • Amusement Centres
  • Hotels and Motels

Some of the main risks for hospitality businesses*

As the owner of a hospitality business , while it is not possible to insure against all the risks you face there are a number of key risks that you obtain protection for if the things go wrong.

Some of main risks for hospitality business that you can take out a form of business insurance are

Customer injury

Slippery floors, rainy days, equipment and even spilled food and beverages could lead to tens of thousands of dollars of damages for your hospitality business if a customer slips and falls.

Help reduce the impact of damages from customer injury with public liability insurance.


Theft, and the threat of theft is an unwanted part of life for hospitality businesses. While theft typically costs hospitality businesses a small percentage of their sales it can wipe away a much larger percentage of your profit.

Help reduce the impact of theft by taking the theft cover option as part of your combined business insurance pack.

Loss or Damage to stock.

A major storm , power outage or even small fire could leave your store with costly damaged or worthless stock..

Help reduce the loss or damage to stock by taking the stock cover option as part of your combined business insurance pack.

Want your QUESTIONS on Business Insurance ANSWERED?
Get in touch. *

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Hospitality business insurance broker*

Our helpful small business insurance brokers can help you find suitable cost effective insurance for your hospitality business.

Depending on whether you have a small catering business or a large function centre ,a cafe or a restaurant , the amount and type of equipment you use , certain insurance companies may offer better terms.

 Hospitality business insurance quotes*

Where possible our friendly insurance brokers will obtain multiple quotes on suitable insurance policies for your hospitality business from leading insurance companies such as Vero, QBE, Zurich and AIG or obtain a competitive quote from a specialist underwriter.

For more information on your business insurance requirements, including what business interruption insurance can cover, TALK to a SMART Insurance broker on 1300 542 573 for SMART insurance cover for your hospitality business.