Insurance for Hospitality
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Create an insurance pack that fits your hospo business
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What is hospo insurance?
Hospo insurance (the many types of business insurance designed for hospitality businesses) helps you handle the cost of different risks, like customer injuries, damaged stock, theft, and cyberattacks.
A customer slips and injuries themselves in your venue, a power outage cancels dinner service, the deep freeze breaks down… These are just a few of the many potential risks you might face.
That’s why most hospo businesses consider business insurance to help them manage unplanned costs that could serve up heaps of trouble.
Why do hospo businesses need insurance?
Hospitality businesses may need insurance to meet contractual obligations and cover unplanned expenses
Lease commercial space
Work events
Replace damaged stock
Pay legal costs if you face a liability claim
Who needs hospo business insurance?
Most hospo businesses consider insurance to protect their businesses, from cafes and coffee shops to caterers and food trucks!
Popular cover types for hospitality businesses:
Hospitality businesses may also consider:
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How much does hospitality insurance cost?
The average cost of business insurance for hospitality businesses is $142 per month* with BizCover. However, the amount you pay will depend on factors such as your business location and size, as well as the cover options you select.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today
Select Profession
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5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
Instant policy docs to your inbox.
How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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We’re not ones to blow our own trumpet, but we are pretty proud of our innovative insurance platform, outstanding team, and stellar workplace.
See how much others have saved while purchasing policy through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently Asked Questions
Public Liability is essential for many hospo businesses. If you’re renting your business premises, your commercial lease might require it. Your commercial lease may also require you to have Glass coverage.
What is a Business Insurance Package for hospitality businesses?
Hospo businesses often have various business property and assets they may decide to protect with insurance. A Business Insurance Package is a convenient way to cover them in one go. Business Packs are customisable, so you can choose cover that fits your needs, such as:
Hear from our customers
Real-life customer reviews verified by Feefo
Customer service was outstanding
Alexander O
This makes my life so easy I would recommend BizCover to anyone
Lynda and James S
Wow, so easy. I was shocked. Thank you! My time precious at the moment.
Raoul S
I have gone through BizCover to insure two of my businesses which I have found easy to do online and not having a lot of time to waste on phone calls I find it convenient and time saving.
Angela B
Quick, simple and painless. The way everything should be.
Scott S
Real-life customer reviews verified by Feefo