Cover for your legal liability if your business or products cause personal injury to a third party (a person who isn’t an employee) or damage to their property.
Insurance for Hospitality
Business insurance for your coffee shop, salad or juice bar, mobile food van, restaurant, catering business and more.
Coverage
What’s covered by AAMI Business Insurance for hospitality
Public & Products Liability
Included covers
Property Damage
Cover for property damage to contents and/or stock caused by insured events like fire, flood, lightning and explosion.
Income Protection
We call this ‘Back in Business’ and it covers you for a reduction in business revenue due to certain unexpected events. For example, a car drives into the front of your home, causing extensive damage, and blocks customer access to your property, which impacts your revenue.
Property Damage
Cover for property damage caused by events like fire, lightning and explosion.
Glass
Cover for the loss of, or damage to, internal or external glass at your business premises. This can include things like windows, signs and showcases.
Theft
Cover for loss of, or damage to, your contents, specified items and stock caused by theft.
Money – in your home or in transit
Cover for the loss of, or damage to, your business’s money. The money may be in transit, at the premises or in custody at a private home.
Commercial Motor
Cover for your mobile food van, car, ute and more. Choose from three types of cover – Comprehensive, Legal Liability only, or Legal Liability, fire and theft – for each commercial hospitality vehicle you insure. Please note that not all types of cover are available for all types of vehicles.
Equipment Breakdown
Optional equipment breakdown insurance covers the breakdown of insured equipment, when that damage occurs at your premises during the period of insurance.
Optional covers
Have cover for scenarios like this
- A cool room compressor breaks down.
- Your restaurant experiences a flood or fire.*
- Someone breaks into your café and steals artwork.
- You accidentally damage your mobile phone or laptop while catering an event.
- A café window is accidentally broken.
*We do not insure you for flood, bushfire or grass fire in the first 72 hours of starting a new policy or adding property damage cover.
Limits, conditions, and exclusions apply. Not all covers are available on their own.
Refer to the Product Disclosure Statement for details.
Types of hospitality businesses we cover
Restaurants, cafés and barista bars
Includes sandwich and ice cream shops and juice bars.
Food truck or coffee van
Includes businesses selling takeaway food and drinks at markets, festivals, and community events.
Caterers
Includes businesses which provide catering services for private and corporate events.
Bakers & cake makers
Includes bakeries or cake making businesses.
Home businesses
Includes food sellers such as bakers or jam makers who sell online or at markets, but run their business from home.
Take control of your policy
Jump online any time to request your certificate of currency, make a claim, renew your policy – and more.
Easy claims process
Our friendly team are here to help you through the claiming process – online lodgement, 24/7
Hospitality Insurance
Get informed about AAMI Business Insurance.
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When setting up a home business, a variety of costs need to be considered – and insurance may be important.
Have you embraced your entrepreneurial spirit? Turned a brilliant idea or specific skillset into a successful small business? You may wish to consider insuring your micro business.
Small business owners across Australia have been asking why inflation has such an effect on small business insurance and what can they do to reduce the impact.
Owning and operating a business comes with a lot of responsibility. Learn more about why it’s important to cover your business with Public Liability insurance.
What is AAMI Business Insurance for a hospitality business?
Restaurant or café, sandwich or ice cream shop, food truck or coffee van, AAMI Business Insurance can cover you for public liability, while also offering cover for your premises, van and equipment. By including optional covers, we can tailor cover to suit your business.
How do I get Public Liability Insurance?
If you’d like to take out a Business Insurance policy that includes Public Liability Insurance among other coverage types, you can get a quick quote online.
Hospitality Insurance
Frequently Asked Questions
Flood cover is automatically included (in the premium you pay) as part of the property damage section of your business insurance cover for new policies commencing or policies renewing on or after 7 December 2023.
However, we do not insure for flood in the first 72 hours of commencing a new policy or adding/changing the property damage section of your policy for the purposes of cover caused by flood. For more information on flood coverage and other exclusions, please review the SPDS.
Note: Cover for flood is optional for policies commenced or renewed prior to 7 December 2023. For more information, refer to the relevant PDS or contact us.
If you run a hospitality business, you’re likely to have some exposure to the public, so you may wish to consider Public Liability Insurance. Any other insurances or optional covers you consider may depend on things like:
- Do you operate from a physical premises?
- Are there equipment or tools you want covered for damage or theft?
- Would events such as fire or flood have the potential to interrupt your business for extended periods of time?
Café and restaurant owners – as well as other food service providers – deal with the public daily, making them more exposed to food poisoning and sickness-related claims. Public & Product Liability Insurance may help provide cover for personal injury caused by:
- Food or beverages sold or supplied by your business.
- Someone slipping or tripping over and injuring themselves on your premises.
The cost of café or restaurant insurance will depend on factors like::
- The type of business you run
- The level of public liability coverage you need, and
- What's included and excluded by a particular policy?
These can differ quite a lot from business to business, so the best way to find out the cost of hospitality insurance is to get a quote.
If you’d like to make a claim, visit our claims page.
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 Insurance.
Public & Products Liability
Cover for your legal liability if your business or products cause personal injury to a third party (a person who isn’t an employee) or damage to their property.
Property Damage
Cover for property damage to contents and/or stock caused by insured events like fire, flood, lightning and explosion.
Income Protection
We call this ‘Back in Business’ and it covers you for a reduction in business revenue due to certain unexpected events. For example, a car drives into the front of your home, causing extensive damage, and blocks customer access to your property, which impacts your revenue.
Property Damage
Cover for property damage caused by events like fire, lightning and explosion.
Glass
Cover for the loss of, or damage to, internal or external glass at your business premises. This can include things like windows, signs and showcases.
Theft
Cover for loss of, or damage to, your contents, specified items and stock caused by theft.
Money – in your home or in transit
Cover for the loss of, or damage to, your business’s money. The money may be in transit, at the premises or in custody at a private home.
Commercial Motor
Cover for your mobile food van, car, ute and more. Choose from three types of cover – Comprehensive, Legal Liability only, or Legal Liability, fire and theft – for each commercial hospitality vehicle you insure. Please note that not all types of cover are available for all types of vehicles.
Equipment Breakdown
Optional equipment breakdown insurance covers the breakdown of insured equipment, when that damage occurs at your premises during the period of insurance.
Portable and valuable items
Cover for accidental loss or damage to portable or valuable items that you usually carry with you for your business ie. laptop, tables and mobile phones.
Home and contents
Cover for loss or damage to your home or contents caused by an insured event. Renters can also get cover for their home’s contents.