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Top claims for hospitality businesses
(AAMI Business claims: Jan – Dec 2016)
Equipment Breakdown
The most common claim for hospitality businesses, this provides cover for the cost of repair or replacement if key equipment breaks down. Examples include fridges, ovens, and cool room compressors.
Property Damage
Provides cover for damage to property at your premises from insured events such as fire, lightning and explosion.
Back in Business
Provides cover for a reduction in your business revenue arising from interruption of your business by damage to your property caused by an insured event.
This is a summary only, so check the Product Disclosure Statement and Policy Wording for full details of what is and isn’t covered. It’s dry we know, but it’s essential reading.
Other covers
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Public and Products Liability
Cover your business for the cost of damages if your business is found responsible for personal injury to a third party or damage to their property. For example, if a customer sues you after suffering food poisoning or a staff member spills hot food or drinks on a customer.
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Back in Business
Cover a reduction in business revenue due to certain unexpected events, such as burst pipes causing water damage to your café.
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Money
Cover the loss of your business's money from causes such as theft, armed hold-up or fire. This can include money in transit or at your hospitality business premises.
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Portable and valuable items
Cover portable business equipment, including technology like mobile phones and laptops, as well as equipment you carry with you for offsite catering.
This is a summary only, so check the Product Disclosure Statement and Policy Wording for full details of what is and isn’t covered. It’s dry we know, but it’s essential reading.
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AAMI Public Liability
Frequently asked questions
Public Liability is your protection if you are found to be legally responsible for personal injury to a third party or damage to their property. Learn more about Public Liability here
You can change your cover by contacting us. As a business owner, it’s good for you to review your cover each year, as well as when you expand your business, move premises, or upgrade your equipment.
How can I pay for my business insurance?
You’ve got a few options when it comes to paying for your business insurance, including online (Visa, Mastercard, American Express), direct debit, BPAY, or by post. See all the ways you can pay your business insurance policy.
There are no forms to fill out – just call as soon as you can. We’re available 24 hours a day, 7 days a week, on 13 22 44, and you will always speak to a real person. More information on how to make a business insurance claim can be found here.
