Business Insurance for Hospitality Industry

Business Insurance for Hospitality Industry

What’s in it for you?

GIO Business Insurance has a wide range of covers specifically designed for businesses in the hospitality industry, including restaurants, cafes, delicatessens and more.

  • Wide range of insurance cover designed for your
    small business
  • Prompt personalised service
  • Fast and easy claims lodgement process
  • You can pay monthly to assist with your cash flow

Read the policy document here

Want to know your business is better protected?

Try our interactive viewer to see what type of cover would suit your business needs in a simple, easy to understand way.

Try our Cafe Interactive Risk Viewer


Businesses we insure

Coffee Lounge
Fruit & Vegetable
Milk Bar
Pizza Shop
Takeaway Shop


Hospitality Insurance Overview

Public and Products Liability Cover for your legal liability for personal injury or damage to property caused by an occurrence connected with your business. Find out more about Public Liability Insurance.
Fire and Other Damage Cover for your building and business contents for specified events such as fire, storm (but not flood), impact, lightning, explosion and earthquake. Also included is the cost of removing debris.
Business Interruption Picks up where your other business insurance stops. Cover for loss of gross profit or gross rentals resulting from an interruption to your business caused by an insured event like fire, burglary etc. Find out more about Business Interruption.
Burglary - Cover for theft of stock, customer’s goods, electronic equipment and other business contents within your business premises following forced and violent entry.
Tax Audit Covers you for professional fees (including accounting and legal fees) associated with a tax audit of the business.
Glass Covers broken glass, the cost of temporary shuttering, replacement of sign writing, repairing plastic signs up to $5,000 and the cost value of stock spoiled by the broken glass.
Personal Accident and Illness    Allows you to insure against loss of income to a named person in the event of an accident and/or illness.
Goods in Transit Covers you for loss or damage to goods in transit caused by specified events.
Money Covers loss or theft of money from certain locations. The policy does not cover loss of money due to accounting or clerical errors or theft by staff.
Equipment Breakdown Covers you for the cost of repairing or replacing your mechanical and electrical equipment and certain other electronic devices.
Fraud and Dishonesty Covers you for loss of money or goods as a result of any act of fraud or dishonesty committed by any of your employees, either acting alone or in collusion with others which is discovered during the period of insurance.
General Property Cover for loss or damage to everyday items you specify such as mobile phones and laptop computers worldwide.
Important Information

GIO Business Insurance is issued by AAI Limited ABN 48 005 297 807 trading as GIO. Read the relevant Product Disclosure Statement or Policy Wording for detailed information on these products.