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Hospitality Insurance
Generally speaking, hospitality businesses have some of the highest risk exposure of any SME, because they deal with the public, food, alcohol, staff, equipment, and cash — often all at once.
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What insurance do you need?
A breakdown of the 9 critical coverage areas for cafés, restaurants, and bars.
Public Liability
COVERS:
  • Injury to customers (slips, trips, falls)
  • Property damage caused by business
  • Food poisoning & allergic reactions
Why it's critical: Constant foot traffic means one incident can lead to a six-figure claim.
Typical Limits: $10M or $20M
Essential
Business Property
COVERS:
  • Fit-out (kitchen, bar, seating)
  • Equipment (ovens, fridges, coffee machines)
  • Stock (food & beverages)
Why it matters: You rely on physical assets. Damage or loss can stop trading immediately.
Business Interruption
COVERS:
  • Loss of income during forced closure
  • Ongoing expenses (rent, wages)
  • Closures due to insured events (fire, storm)
Why it matters: Even a short closure without cash flow can be fatal to a hospitality business.
Workers Compensation
COVERS:
  • Employee injuries arising from work
  • Work-related illnesses
Mandatory: Required by law in Australia if you employ staff—including casuals.
Required
Theft & Money
COVERS:
  • Theft of stock or equipment
  • Cash stolen from premises
  • Cash stolen during banking transit
Why it matters: Hospitality venues are targets because they often handle cash and high-value stock.
Glass Insurance
COVERS:
  • Accidental breakage of shopfronts
  • Internal glass breakage
Why it matters: Glass damage is frequent in venues and requires expensive, immediate replacement.
Machinery Breakdown
COVERS:
  • Sudden mechanical failure
  • Electrical failure of equipment
Why it matters: Equipment failure can shut down a kitchen even if there is no external damage.
Recommended
Management Liability
COVERS:
  • Claims against directors & officers
  • Employment practices (e.g., unfair dismissal)
Why it matters: Staff disputes and high turnover are very common in the hospitality sector.
Liquor Liability
COVERS:
  • Claims arising from the service of alcohol
  • Intoxication-related incidents
Important: Alcohol service must be disclosed. Standard policies often exclude this unless specified.
Typical Package
Most cafés, restaurants, and bars require a combined package to ensure no gaps in coverage.
Standard Inclusion Checklist:
  • Public Liability
  • Property & Contents
  • Business Interruption
  • Theft / Money
  • Glass
  • Workers Comp (Separate Policy)
Why Choose EasyBizInsure

Insurance Solutions You Can trust

We bridge the gap between complex risk and simple protection. Your business deserves an advocate, not just a policy.
We Work for You
We act solely in your best interest, providing independent advice and advocating for fair outcomes when it matters most.
SME Specialists
Small businesses are our focus. We understand your growth stages and tailor insurance solutions that truly fit.
Expert Claims Support
You’re not alone. Our team provides hands-on guidance to navigate the process and achieve the best possible outcome.
Simple & Efficient
No jargon, no hidden surprises. We make insurance easy to understand and efficient, saving you time.
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Frequently Asked Questions

Typically public liability, property, business interruption, and workers compensation.

Yes, public liability insurance may respond to food poisoning claims, subject to policy conditions.

Cover depends on licensing disclosure and policy terms. Alcohol service must be declared.

Yes, public liability insurance is designed to cover injury claims from slips, trips, and falls.

Not automatically. Machinery breakdown cover must usually be added.

Business interruption insurance may help cover lost income following an insured event.

Employees are covered under workers compensation, regardless of employment type.

Theft and money cover must be specifically included in the policy.

Yes. Third-party delivery services can affect liability exposure and must be disclosed.

Yes. Policies can be tailored to suit small hospitality operators.
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