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Insurance for Hospitality Businesses
Cover for Cafes, Restaurants, Take away shops and more
With AAMI you can enjoy:
- Quick, anonymous quotes
- Customised packages
- Pay by the month
Top claims for hospitality businesses
(AAMI Business claims: Jan 2011 – Aug 2015)
Machinery Breakdown
The most common claim for hospitality businesses, this can cover the cost of repair or replacement if key equipment breaks down. Examples include fridges, ovens, and cool room compressors.
Fire & Defined Events
Cover damage to property at your premises from insured events such as fire, lightning and explosion.
Glass & Signs
Cover the cost of replacing or repairing damaged glass windows, signs and showcases at your café, restaurant or other business premises. The average glass and signs claim for hospitality businesses is $1,494.
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.
Top claims for hospitality businesses
(AAMI Business claims: Jan 2011 – Aug 2015)
Machinery Breakdown
The most common claim for hospitality businesses, this can cover the cost of repair or replacement if key equipment breaks down. Examples include fridges, ovens, and cool room compressors.
Fire & Defined Events
Cover damage to property at your premises from insured events such as fire, lightning and explosion.
Glass & Signs
Cover the cost of replacing or repairing damaged glass windows, signs and showcases at your café, restaurant or other business premises. The average glass and signs claim for hospitality businesses is $1,494.
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 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 calling us on 13 22 44. Business owners should review their cover each year, and also when they expand their business, move premises, or upgrade their equipment.
You can pay by credit card (American Express, Mastercard or Visa), BPAY, cheque or at the post office.
You may also be able to split the premium over 12 months, and pay monthly via credit card or direct debit at no extra cost. Monthly payments are available if:
- your annual premium is more than $270
- it is not a market stall 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.
