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.
Create an insurance pack that fits your hospo business
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What is hospitality insurance?
Insurance for hospitality businesses helps you handle the cost of different risks, like customer injuries, damaged stock, theft, and cyberattacks. It covers a wide range of businesses, including cafes, restaurants, takeaway shops, hotels, motels, and serviced apartments.
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.
That’s why BizCover serves up tailored insurance for hospitality businesses to help protect your business finances from the unexpected.
Why do hospitality businesses need insurance?
Hospo businesses face unique risks, whether you’re running a corner café or a trendy hotel.
A customer slips and injures themselves in your venue, a power outage cancels dinner service, the deep freeze breaks down…these are just some examples of everyday risks that hospitality insurance could help you manage.
Hospitality businesses may need insurance to meet contractual obligations and cover unplanned costs. You may also need insurance to
Lease commercial space
Work events
Replace damaged stock
Pay legal costs if you face a liability claim
Hospitality occupations we cover
We offer insurance options for food, beverage, and accommodations businesses, from corner cafes and catering pros to cozy bed & breakfasts to boutique hotels—and many more!
Caterers
Coffee Shops
Bed & Breakfasts
Takeaway Shops
Food Trucks
Hotels & Motels
What does hospitality business insurance cover?
We offer a range of insurance options designed to protect your business, stock and equipment.
Basic cover options
Additional cover options:
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
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 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 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 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
Select Profession
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Get Covered Online
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
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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 Others Have Saved By Purchasing a 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
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.
BizCover offers tailored insurance to cover your business if you work on the move, such as food trucks, caterers, and coffee vans.
Food truck and mobile food van owners often consider different types of insurance to protect their businesses. These may include:
- Public Liability – May be required to work events, like farmer’s markets and food festivals
- Business Insurance Package – A customisable package that can include Contents (for your stock and business equipment), Business Interruption (for unplanned periods where you’re unable to trade), and Theft (for sticky fingers).
- Personal Accident & Illness – For when you’re unable to work due to an accidental injury or serious illness
Every hospitality business is different. Your insurance needs 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 is designed to provide protection for you and your business in the event a customer, supplier or a member of the public brings a claim against you due to their being injured or sustaining property damage as a result of your negligent business activities.
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.
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). It is an optional part of a Business Insurance Package
Hear from our customers
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So quick and easy to get a quote and the pricing options are great.
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Your online quote system and payment process was very good and didn’t take too long.
Paul
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