Insurance for Hospitality
Help protect your restaurant, cafe, takeaway shop, motel and more with hospitality insurance that’s designed to meet the needs of your industry.
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What is hospitality insurance?
Hospitality business insurance covers the cost of potentially expensive risks that could impact your business, such as:
- Customer injuries and property damage
- Damaged stock or equipment
- Theft
- Unplanned business interruptions
Accommodation and food services is a growing industry, employing over 966,000 Australians (a 5.6% increase from February 2020 to August 2025 ). While there are endless opportunities for growth in the hospo industry, these businesses also face potential risk that could create costly claims, unexpected expenses, and reputational damage.
BizCover offers tailored insurance catered to hospitality businesses to protect your business finances and assets. This includes Public & Products Liability, Business Interruption, Theft, Equipment Breakdown, Building, and more.
Why do hospitality businesses need insurance?
Hospitality businesses face unique risks, whether you’re running a corner café or a trendy hotel. You may need insurance to meet contractual obligations and cover unplanned costs.
Common risks faced by hospitality businesses include:
- A customer slips and injures themselves in your venue
- A power outage cancels dinner service, resulting in lost income
- The deep freeze breaks down, resulting in spoiled food and lost stock
- Flood or fire in your kitchen
- Someone breaks in and steals EFTPOS equipment, tablets, or other business assets
- The front window is broken
You may also need insurance to:
Lease commercial space
Work events
Replace damaged stock or equipment
Pay legal costs if you face a liability claim
Hospitality occupations we cover
We offer tailored insurance solutions for food, beverage, and accommodation businesses, from catering services to boutique hotels, including:
Caterers and Catering Services
Coffee Shops
Bed & Breakfasts
Takeaway Shops
Food Trucks and Vans
Hotels & Motels
Clubs and Breweries
Commercial Kitchens
What types of insurance do hospitality businesses need?
We offer a range of insurance options designed to protect your business, stock and equipment.
Basic hospitality insurance:
Additional hospitality insurance:
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How much does hospitality insurance cost?
Business insurance for hospitality businesses costs $149 per month* on average.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Marketing Pricing Expectations Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get cover that works that grows with your business
Choose cover limits that fit your business needs, including Public Liability insurance up to $20 million.
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 over yourself, 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 that grows with your business
Choose cover limits that fit your business needs, including Public Liability insurance up to $20 million.
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 over yourself, 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
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5 Steps to get your biz insured:
- Enter Occupation
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- Choose Cover(s)
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- Business Details
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- Compare Quotes
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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.
Award-Winning Tech & People
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 Other Hospitality Have Saved By Purchasing a Policy Through BizCover
John
Cafe Operator from
VIC
Saved
$5,000
on
Business Insurance Pack
Anthony
Coffee Shop Owner from
QLD
Saved
$2,300
on
Public Liability insurance
Leanne
Coffee Shop Owner from
WA
Saved
$200
on
Business Insurance Pack
^Savings made from February to August 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
Some types of business insurance may be mandatory for hospitality businesses. If you’re renting your business premises, you might be required to have Public Liability and Glass insurance for your commercial lease.
Every hospitality business is different. Your insurance considerations may vary from the café, coffee shop, motel, or hostel down the road. When deciding how much Public Liability insurance you may need, you may want to consider:
• Minimum levels of cover required by your commercial lease
• Your annual revenue (or turnover)
• A worst-case scenario claim
Public Liability and Products Liability insurance help cover similar risks. In fact, many Public Liability policies also include Products Liability insurance.
Public Liability insurance covers you if a third-party claims that your negligent business activities caused them injury or property damage. This includes defence costs cover.
Product Liability insurance protects your business against claims by third parties relating to property damage or personal injury caused by your products. It typically forms part of a Public Liability policy.
Yes. You can typically cover multiple business locations under a single policy, so long as they are the same business type (For example, a chain of restaurants or cafes).
Hear from our customers
Very straightforward and easy to fill out
Brandon
So quick and easy to get a quote and the pricing options are great.
Donna
Easy to get the correct cover
Margaret
Your online quote system and payment process was very good and didn’t take too long.
Paul
Easy, simple and cost effective
Isaac
Real-life customer reviews verified by Feefo