Hospo Insurance

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Why do Hospo businesses need insurance?

Whether you’re serving up yummy meals and hot coffees or making your guests feel at home, the right insurance could be a few clicks away! Find great insurance cover for your hospo business by comparing multiple quotes online, in minutes.

Did you know?

Public Liability is essential for many hospo businesses. If you’re renting your business premises, your commercial lease might require it.

Build your Hospo Insurance Pack

BizCover helps hospo heroes access over a dozen different types of small business coverage. Create a Hospo Pack that fits your needs and compare quotes with selected leading Australian insurers.

Tech elements

The Fundamentals

Cover generally taken by others in your industry to protect the essential risks of doing business.

Public Liability

This covers you if a third-party claim that your negligent business activities caused them injury or property damage. This includes defence costs cover.


Cover for loss of or damage to items such as business equipment, stock, plant and machinery, records and furniture belonging to you at the insured location.


Covers you for damage to internal and external glass, mirrors, porcelain and signage at your business premises.


Covers you against loss and damage as a result of theft or attempted theft from your business premises. Damage to the building, locks and safes as a result of a covered event will also be covered.

Cyber Liability

Covers losses from claims arising from data breaches, business interruption and remediation costs following an actual or threatened data breach.

Next level defence

Additional cover regularly selected by others in your industry to give them a higher level of protection for their business. Choose from coverage options including:

Business Interruption

Business Interruption provides cover for the loss of income and increased costs of operating your business caused by a specified insured event (such as property damage or fire). It’s designed to assist your business to recover from an insured event by paying ongoing expenses (such as wages or rent).


Covers you for theft, loss or damage to business money whilst in transit, in your business premises or in your private residence.

Machinery Breakdown

Covers the cost of having nominated machines in your business, such as refrigerators and air conditioners, repaired or replaced following a breakdown.


Cover for loss and damage to buildings you own, as a result of an insured event (such as fire, storm, wind).

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Need Help?

Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals.

You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents.

This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
*Savings made in April 2023 on Business Insurance Pack policy. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
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