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Hospitality Industry Insurance

Coverage from field to fork

Having the right insurance program in place means you can keep your focus on delivering exceptional products and experiences to your customers. Comfortable in knowing that your business is protected from unpredictable events.

No matter your size, if you’re operating a restaurant, bar, cafe, hotel, catering service or other food and beverage-related business, the team at Regional can help find the right solution to fit your business.

What does hospitality industry insurance cover?

The food and beverage industry is fast-paced and constantly evolving. Adapting to challenges is easier with the confidence and support of a trusted insurance partner by your side. At Regional, we’ve been securing the right insurance policies for hospitality businesses for over 40 years. We take a comprehensive approach, considering every aspect of your operations to create a policy that fully protects your business.
Property Damage
Hospitality businesses rely on in-person operations, and damage to your premises can prevent you from opening, contributing to lost income and employee stability. Property insurance protects your buildings, stock, tools, and equipment from fire, storms, or malicious acts, ensuring quick recovery and minimal disruption to your operations. Without it, the financial strain of repairs or replacements can threaten your business’s survival.
Theft and Money
Protecting your assets from theft is essential in the hospitality industry, where the risk of break-ins and theft can be high. This coverage ensures that you are financially protected if someone breaks into your business premises and steals your stock, contents, equipment, or money.
Public and Product Liability
Public liability insurance protects businesses from third-party liability claims. This coverage shields you from financial costs if someone’s property is damaged or injured due to your operations or products. In the hospitality industry, where customer interaction is constant, the right coverage protects your reputation and finances from unexpected accidents.
Equipment Breakdown / Machinery
Hospitality businesses rely on various essential machinery and equipment to operate smoothly. This coverage protects against the breakdown of critical machinery such as cash registers, refrigerators, air conditioning units, and kitchen appliances. If any of these essential pieces of equipment fail unexpectedly, machinery insurance helps cover repair or replacement costs.

Why do I need hospitality industry insurance?

Insurance is essential for any business, especially in the hospitality industry, where the risks of accidents, property damage, and liability claims are constant. Insurance helps protect your business from potential challenges, such as worker’s compensation claims, equipment breakdowns, or unforeseen disruptions. Hospitality industry insurance is designed to manage risks and provide support, allowing your business to continue operating smoothly, no matter what comes your way.

Trust Regional for your Hospitality business insurance needs

Regional insurance brokers are here to help manage your policies and ensure your hospitality business is properly covered. We search the insurance market to find relevant policy options tailored to your business needs and the unique risks you face in the hospitality industry. Our team conducts in-depth risk assessments to identify specific vulnerabilities and customise our insurance services to suit your operations.

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Flexible insurance with a local touch

Insurance can be complex. Navigating the various products, coverages, exclusions, and confusing terminology can be overwhelming. An insurance broker with industry experience on your side will ensure that your specific needs are assessed and that you get the insurance program that works for you.

The right cover for you
Tailored insurance programs to suit your business risks, whatever your business, wherever you operate.
Support from an expert
Highly trained insurance professionals to help you identify risks, manage your insurance program and support you with claims.
Friendly, local service
With offices across Queensland and a national reach, you have access to support when you need it.

Premium Funding

Premium Funding is a financial management service that can help your business manage its cash flow and preserve working capital by spreading the cost of your insurance premiums instead of lump sum payments. At Regional, our brokers can assist with funding arrangements for your insurance program.

FAQs

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