Hospitality & Retail Insurance
Complete coverage for restaurants, cafes, hotels, and retail businesses with comprehensive protection.
Why Hospitality Insurance is Essential
Restaurants, cafes, and retail businesses face unique risks. From customer injuries to property damage, comprehensive coverage protects your operations.
17-26%
Property insurance rate increases for hospitality in 2024-2025
$9,000
Average loss per restaurant insurance claim (2021-2024)
9.5%
Umbrella and excess liability premium increase Q1 2025
Having the appropriate insurance coverage is essential for hospitality businesses in Australia as it protects against financial risks, safeguards assets, ensures compliance with legal requirements, and provides peace of mind to business owners. It allows them to focus on delivering excellent service to customers without worrying about the potential financial impact of unforeseen events.
Business Types Covered
Insurance solutions designed for shops, restaurants, nightclubs, pubs and more. Hospitality insurance caters to various businesses in the food and beverage industry:
Fixed Location Businesses
- • Restaurants and cafes
- • Take-away shops (fish and chips, sandwich shops)
- • Juice bars and coffee shops
- • Nightclubs and pubs
- • Hotels and accommodation
- • Retail shops
Mobile Businesses
- • Food trucks
- • Coffee vans
- • Ice cream vans
- • Caterers and event services
- • Mobile vendors
Average Cost for Restaurant Insurance
$198 per month
Based on BizCover data. However, the amount you pay will depend on many factors, such as where your restaurant is located and how many employees you have.
Essential Coverage Types
Public & Products Liability Insurance
Most hospitality businesses will consider getting Public Liability Insurance (also known as General and Products Liability Insurance). This is designed to cover claims of injury or damage to others (including injury caused by your products), as well as certain legal costs in the event of a dispute.
Coverage Limit Options:
$5M
$10M
$15M
$20M
Property Insurance
Comprehensive coverage for your building and contents if damaged by fire, storm, malicious activity, or another defined event.
- Building damage coverage
- Contents and stock protection
- Fire and storm damage
- Malicious damage coverage
Business Interruption
Protection against loss of income resulting from unexpected events like fires, floods, or natural disasters, allowing you to cover expenses and maintain financial stability during closure.
- Lost revenue coverage
- Ongoing expense protection
- Financial stability support
- Quick recovery assistance
Specialized Coverage Options
Machinery Breakdown
If you depend on fridges to keep food fresh, consider coverage for breakdown. Includes repair, replacement, and temporary machinery hire costs.
Stock Deterioration
Covers the loss of stock that has spoiled or deteriorated as a result of equipment malfunction, protecting your food inventory.
Glass Insurance
Can help cover the cost of repairing or replacing broken glass in your restaurant, cafe, or retail storefront.
Business Types Covered
Fixed Location Businesses
- Restaurants and fine dining
- Cafes and coffee shops
- Take-away shops and bakeries
- Juice bars and dessert shops
Mobile Businesses
- Catering services
- Food trucks
- Coffee vans
- Ice cream vans
Our Underwriting Partners
We work with Australia's leading hospitality and retail insurance underwriters:
QBE Insurance
Hospitality insurance for businesses up to $1 million turnover with up to 7 employees
GIO Insurance
Multi-store restaurant and cafe business coverage with specialized products
Arch Insurance
Coverage for cafes, restaurants, bistros, gastropubs, regional motels and boutique hotels
RACV Insurance
Flexible business insurance cover suited to hospitality businesses
Marsh Australia
Access to global underwriters for complex or uncommon hospitality risks
Ausure
Finds and compares insurance covers for hospitality and retail businesses Australia wide
Specific Products Available
Public & Products Liability
Protection against customer injury and product-related claims in your establishment
Essential for all food and beverage businesses
Property & Contents Insurance
Coverage for buildings, fixtures, fittings, furniture, and stock including kitchen equipment
Protects against fire, storms, and theft
Business Interruption Insurance
Loss of income coverage due to disasters and forced closure including recovery period
Helps cover ongoing expenses during repairs
Food Spoilage & Equipment Breakdown
Coverage for refrigeration breakdown, power outages, and commercial kitchen equipment failures
Protects valuable food inventory and essential equipment
Protect Your Hospitality Business
Get comprehensive insurance coverage tailored specifically to restaurants, cafes, and retail establishments.