HOSPITALITY INSURANCE AUSTRALIA
Protect Your Venue.
Keep Trading With Confidence.
Every Service, Every Day.
Hospitality insurance for cafes, restaurants, caterers, takeaway shops, bars, pubs, food trucks and hospitality businesses across Australia.
- Tailored cover for your venue
- Protect your people, property and customers
- Support when something goes wrong
Request an insurance quote
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Trusted by Businesses Australia-Wide
Hospitality-focused Advice
For Your Venue
Flexible Cover Options
Built Around Your Risks
Claims Support
When You Need Us
Australian Owned
Local Service
ABOUT HOSPITALITY INSURANCE
Built for Busy Venues.
Designed for Hospitality.
Hospitality businesses face customer, food, property, equipment and business interruption risks every day. We help cafes, restaurants, caterers, takeaway shops, bars, pubs, food trucks and other venues arrange cover suited to how they trade.
- Cover for cafes, restaurants, caterers & takeaway businesses
- Protection for customers, staff, stock & equipment
- Flexible options for property, liability & interruption
- Access to established Australian insurers
WHAT CAN HOSPITALITY INSURANCE COVER?
Practical Cover for Your Hospitality Business
Business Property & Contents
Covers physical loss or damage to the construction works caused by events such as fire, storm, flood, or impact.
Equipment Breakdown & Spoilage
Protects building materials, tools, plant, and equipment on-site or in transit.
Public & Product Liability
Covers legal liability for injury or property damage to third parties during the project.
Business Interruption
Covers damage to existing structures or property while construction or renovation work is being carried out.
Glass, Money & Theft
Financial protection against theft, vandalism, and malicious damage on the construction site.
Cyber, Motor & Workers Compensation
Compensates for financial losses caused by delays in project completion due to insured events.
WHY CHOOSE ABS FOR HOSPITALITY INSURANCE
Why Hospitality Operators Choose ABS
Hospitality Risk Experience
We understand the construction industry
Tailored Packages
Tailored cover for your specific project
Insurer Access
Access to Australia's leading insurers
Personal Service
Dedicated support at every stage
Australian Local Knowledge
Australian owned & operated
Let's Protect Your Business
Request a tailored hospitality insurance quote and keep your business moving.
FREQUENTLY ASKED QUESTIONS
What does hospitality insurance cover?
Hospitality insurance can combine several types of cover to protect your premises, fit-out, contents, stock, equipment, income, customers and business operations. Depending on the policy selected, cover may include property damage, public and products liability, business interruption, equipment breakdown, food spoilage, glass, theft, money, cyber insurance and management liability. Cover, limits, excesses and exclusions vary between insurers, so your policy should be tailored to how your hospitality business operates.
Do cafes and restaurants need public liability insurance?
Public liability insurance is strongly recommended for cafés, restaurants and other hospitality venues because customers, suppliers and members of the public regularly enter the premises. It can help protect your business against claims involving third-party injury or property damage, such as slips, falls, burns or accidental damage. Public liability may also be required by a landlord, shopping centre, council, event organiser or commercial lease. Workers compensation is generally arranged separately for employee injuries.
Can hospitality insurance cover equipment breakdown and spoiled stock?
Equipment breakdown insurance may cover the sudden mechanical or electrical failure of insured equipment such as refrigerators, freezers, cool rooms, coffee machines, ovens and commercial kitchen appliances. Depending on the policy, cover may also be available for refrigerated stock or food spoiled following an insured equipment breakdown. Normal wear and tear, poor maintenance and gradual deterioration are generally excluded, and stock-spoilage limits may apply. All important equipment and stock values should be accurately declared.
What types of hospitality businesses can be covered?
Hospitality insurance may be arranged for cafés, coffee shops, restaurants, takeaway shops, bakeries, caterers, food trucks, coffee vans, pubs, bars, clubs, hotels, function venues and other food or beverage businesses. The appropriate cover will depend on factors such as your premises, turnover, staff numbers, cooking methods, equipment, alcohol service, delivery operations and opening hours. Insurer acceptance and policy conditions will vary according to the individual business and its risk profile.
Does hospitality insurance cover business interruption?
Business interruption insurance may help replace lost income and pay continuing expenses when an insured event—such as fire, storm or insured property damage—forces your hospitality business to close or reduce trading. Depending on the policy, it may assist with expenses such as wages, rent and temporary operating costs during the recovery period. It does not generally cover ordinary trading downturns, voluntary closures or events excluded by the policy. The selected indemnity period and insured gross profit should reflect a realistic recovery timeframe.