Insurance for Hospitality

Every business is different, and there is no ‘one size fits all’ rule for how much Public Liability Insurance your business needs.

We offer multiple levels of public liability cover which can be purchased from us directly:

• $5 million
• $10 million
• $20 million

If you need more cover, call us on 13 24 81 (8am–8pm AEDT, Mon–Fri).

Public liability claims can be very costly, so it’s important you choose a level of cover that will financially protect your business should you need to make a claim.

Theft covers you from a person breaking into your business premises and stealing business stock, contents or equipment.

Money covers money being stolen (theft just covers physical contents, not currency).

Employee dishonesty covers you for loss of money caused by a dishonest or fraudulent act by an employee with the clear intent of making an improper personal financial gain.

For more information about the cover options, and what is covered, please read the read the PDS.

Business interruption can cover the shortfall in gross profits caused by the interruption to your business resulting from an insured event (eg storm or fire damage) and can help pay ongoing costs and protects profit margins until your business is back on its feet and back at its profit level before the interruption.

Find out more about business interruption and how it works.

For more information about this cover, please read the read the PDS.​

Personal accident and illness insurance helps you cover your costs if you are unable to work due to injury or illness. You can also select an option for compensation if certain specified permanent injuries occur (this is referred to as Lump Sum benefits).

For more information about this cover, please read the read the PDS.

Personal accident and illness can cover you if you are self-employed, and it provides short to medium term cover (maximum 104 weeks) if you are unable to work because of injury or illness.

Income protection can cover anyone (self-employed, home-makers, part time workers, full time employees, etc) and is intended to be a long-term cover.

For more information about this cover, please read the read the PDS.

Generally, if you employ or engage anyone else to work for you, you need workers compensation insurance. A ‘worker’ is a person who has entered into work under a contract of service with you. There doesn’t necessarily need to be a formal written contract in place. A verbal agreement or simply intent or understanding of an arrangement might be enough for someone to legally be considered a ‘worker’ under your state’s workers compensation legislation.

Each state and territory in Australia has different types of workers compensation schemes. For more information about workers compensation in your state, please visit our workers compensation section.

We use turnover to gauge the size of your business and make sure our products can provide your business with adequate coverage – it does not influence pricing.