Business Insurance for Hospitality

Typical hospitality businesses that we cover

We have designed insurance packages that meet the needs of your hospitality business. Here are just a few of the businesses we cover: 

• Cafés
• Catering
• Restaurants
• Bed and breakfast

We cover many more hospitality businesses. Call us on 132 818 to see how we can help you.

Common hospitality industry insurance cover options

We cover the typical risks that people in hospitality face everyday and we allow you to choose the cover you need. Some of these cover options include:

Personal injury and property damage – this covers you if someone sues you for personal injury or damage to their property. For example, you could be sued if someone falls due to a spillage on your floor; or if a foreign body in food causes injury to someone.

Burglary – we cover your premises and property including things like computer equipment and stock contents.

Fire, storm, malicious damage and other defined events – we cover damage done to things like food supplies, ovens, cooking equipment, electrical appliances, refrigerators, cash registers, computers and printers.

Machinery breakdown – this covers the breakdown of motor driven equipment like refrigerators, freezers, air-conditioners, ovens, mixers and loss of stock as a result of the breakdown of machinery.

Glass breakage cover - apart from internal and external glass, we cover skylights, mirrors and neon signs, plus sign writing and shuttering. This is important cover for businesses in fixed premises.

Business interruption - you are covered for loss of profits if your business is disrupted by damage to your business property caused by specified events.

Money (including in transit) – you are covered for loss of money, cheques and credit card vouchers held on the premises or in transit. This is useful for businesses that carry money to the bank.

Personal accident and illness – this covers you for loss of income as a result of a defined accident or illness. We cover individuals which is useful for sole traders or partnerships that need both partners working.

View more Business Insurance cover options.

Want to know more?

Read our Business Insurance case studies to see how we've helped hospitality businesses just like yours.

View this policy in detail with our Product Disclosure Statement.

Or to make a business insurance claim call 132 818 24 hours a day 7 days a week. Outside these hours call SGIO Helpline on 132 900.

Take the next step

Call us on 132 818 to request a business insurance quote or to discuss your needs with a Business Insurance Specialist.