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Hospitality Insurance

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Running a business in the hospitality industry comes with many risks. From customer injuries to kitchen fires, stock spoilage, and staff issues, one small incident can disrupt your entire operation.

Hospitality industry benefits from business packages that helps cover your business from the common risks that affect food, drink, and service-based venues. Whether you own a café, restaurant, bar, or food truck, the right cover can help you stay open, reduce downtime, and meet your lease or licensing requirements. However, this it not their only option available.

At Bluewell we help hospitality businesses across Australia get reliable insurance that’s easy to understand and reflects your activities.

Take Away Shop Insurance

Why Hospitality Businesses Need Insurance

Hospitality is a fast-paced industry with lots of moving parts: customers, staff, suppliers, and equipment all working together every day. Insurance gives your business the support it needs when something breaks, goes missing, or causes damage.

Hospitality Insurance helps with:

  • Injuries to customers or staff
  • Fire, flood, or storm damage
  • Equipment or fridge breakdowns
  • Theft or vandalism
  • Business interruption from closures or repairs
  • Loss of stock from spoilage
  • Lease requirements for glass or public liability cover

Key Covers for Hospitality Businesses

Here are the most common types of insurance used by cafés, restaurants, pubs, and takeaway shops.

Public and Product Liability Insurance

Covers legal costs if someone is hurt or their property is damaged because of your business or products.

Examples:

  • A customer slips on a wet floor
  • Someone has an allergic reaction to food
  • A staff member knocks over a customer’s laptop

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Contents and Stock Insurance

Covers furniture, kitchen equipment, and stored food or drinks if damaged.

Examples:

  • A storm damages your fridges and tables
  • A fire destroys fit-out and appliances

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Equipment Breakdown Insurance

Covers the cost to repair or replace key equipment if it breaks from an internal fault.

Examples:

  • A coffee machine motor fails during service
  • A walk-in cool room breaks and stock spoils
  • An oven’s electrical board shorts out

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Business Interruption Insurance

Covers lost income and extra costs if your business has to close due to a covered event.

Examples:

  • A kitchen fire forces you to close for 2 weeks
  • A burst pipe damages your floors and delays trading
  • You relocate temporarily due to major repairs

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Glass Insurance

Covers internal and external glass breakage, including doors, shopfronts, display cabinets, and mirrors.

Examples:

  • A window is broken during a late-night incident
  • A glass display shatters during cleaning
  • A customer bumps a glass panel and cracks it

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Common Claims in Hospitality

  • A fire in a café kitchen damages walls, appliances, and stock
  • A staff member spills hot food on a customer
  • A power outage causes spoilage of stored meat and dairy
  • A bar’s glass door is smashed during a break-in
  • A deep fryer breaks down during lunch service
  • A water leak forces a restaurant to close for two days

Who should apply for hospitality insurance?

If running any of the following hospitality businesses, you need to apply for hospitality insurance urgently:

Frequently Asked Questions

Yes. Most leases require cover for public liability, glass, and sometimes contents. Even if the landlord has building insurance, you’re responsible for what’s inside your shop.

This covers claims if someone becomes sick or injured after consuming your food or drink. It’s included with public liability for most hospitality businesses.

No. Contents insurance covers damage from outside events like fire or storm. You’ll need Equipment Breakdown Insurance for electrical or mechanical faults.

Yes. We often combine these covers into a Business Insurance Pack so everything is in one policy.

It depends on your business size, number of staff, property value, and income.

Power-related losses like fridge breakdowns, spoilage, and storm damage are very common. Customer slips and property damage also happen often in busy venues.

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