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SMALL BUSINESS

Insurance for Hospitality Businesses

Cover for Cafes, Restaurants, Take away shops and more

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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.

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Property Damage

Provides cover for damage to property at your premises from insured events such as fire, lightning and explosion.

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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.

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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.

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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.

    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.

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Tips for Hospitality Businesses

Top 6 hospitality insurance claims

Small Biz Tips

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