Hospo Insurance

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.

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.

Contents

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.

Glass

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

Theft

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).

Money

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.

Building

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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