Insurance for Hospitality
Business insurance for your coffee shop, salad or juice bar, mobile food van, restaurant, catering business and more.
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Types of hospitality businesses we cover
Occupations
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Restaurants, cafés and barista bars
Includes sandwich and ice cream shops and juice bars.
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Food truck or coffee van
Cover for all kinds of retail businesses, from clothing boutiques to quirky gift shops.
portable
Caterer
Includes businesses which provide catering services for private and corporate events.
kitchen
Bakers & cake makers
Includes bakeries or cake making businesses.
landlord
Home businesses
Made for those who provide their medical care and services to the wider community.
What is AAMI Business Insurance for a hospitality business?
Restaurant or café, sandwich or ice cream shop, food truck or coffee van, AAMI Business Insurance can cover you for public liability, while also offering cover for your premises, van and equipment. By including optional covers, we can tailor cover to suit your business.
Have cover for scenarios like this:
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A cool room compressor breaks down
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Your restaurant experiences a flood or fire*
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Someone breaks into your café and steals artwork
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A café window is accidentally broken.
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You accidentally damage your mobile phone or laptop while catering an event
Included covers
AAMI Insurance for hospitality
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Public & Products Liability Insurance
Cover for your legal liability if your business or products cause personal injury to a third party (a person who isn’t an employee) or damage to their property.
Optional covers
AAMI insurance for hospitality
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Property Damage
Cover for property damage to contents and/or stock caused by insured events like fire, flood, lightning and explosion.
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Income Protection
We call this ‘Back in Business’ and it covers you for a reduction in business revenue due to certain unexpected events. For example, a car drives into the front of your home, causing extensive damage, and blocks customer access to your property, which impacts your revenue.
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General property
Cover for property damage caused by events like fire, lightning and explosion.
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Glass
Cover for the loss of, or damage to, internal or external glass at your business premises. This can include things like windows, signs and showcases.
theft
Theft
Cover for loss of, or damage to, your contents, specified items and stock caused by theft.
money
Money - in your home or transit
Cover for the loss of, or damage to, your business’s money. The money may be in transit, at a business premises, or in custody at a private residence.
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Commercial motor
Cover for your mobile food van, car, ute and more. Choose from three types of cover – Comprehensive, Legal Liability only, or Legal Liability, fire and theft – for each commercial hospitality vehicle you insure. Please note that not all types of cover are available for all types of vehicles.
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Equipment breakdown
Optional equipment breakdown insurance covers the breakdown of insured equipment, when that damage occurs at your premises during the period of insurance.
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tel:132244
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*We do not insure you for flood, bushfire or grass fire in the first 72 hours of starting a new policy or adding property damage cover.
Limits, conditions, and exclusions apply. Not all covers are available on their own.
Please read the Product Disclosure Statement for full details.
Why people choose AAMI
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Trusted since 1969
We’ve been helping Aussies for over 55 years.
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Public Liability Insurance
How do I get Public Liability Insurance?
If you’d like to include Public Liability Insurance in your policy coverage, you can get a quick quote online.
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Frequently Asked Questions
AAMI Hospitality insurance
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