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Insurance for Hospitality Businesses

Cover for Cafes, Restaurants, Take away shops and more

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  • Pay by the month
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Overview Retail

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.

Read more in the PDS

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Property Damage

Provides cover for damage to property at your premises from insured events such as flood, fire, lightning, and explosion.^  Read more in the PDS as exclusions may apply.

Read more in the PDS

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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.

Read more in the PDS

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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

  • 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.

    Read more in the PDS

  • Back in Business

    Cover a reduction in business revenue due to certain unexpected events, such as burst pipes causing water damage to your café.

    Read more in the PDS

  • 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.

    Read more in the PDS

  • 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.

    Read more in the PDS

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.

Get a quick quote online
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Tips for Hospitality Businesses

Top 6 hospitality insurance claims

Insuring a business

Top 6 hospitality insurance claims

Discover the top 6 business insurance claims for cafes, restaurants and take away shops.

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AAMI Public Liability

Frequently asked questions

^ We do not insure you for flood, bushfire or grass fire in the first 72 hours of commencing a new policy or adding property damage cover. Refer to the PDS for details.

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