GIO offers specialised products for individuals and small businesses* operating in the hospitality and food services industries. So if you run restaurants, cafes, takeaways or bakeries, you can customise cover to match your needs.
Know you're covered
Whether you are a sole trading barista, small takeaway shop or multi-store restaurant business, GIO Business Insurance can provide multiple coverage options, to provide cover for your retail hospitality business.
Overview
Hospitality insurance is a type of business insurance which can be designed for small businesses in the accommodation and food services industry, such as cafes, restaurants, pizza shops, and more. GIO Business Insurance provides cover for public and products liability, theft, equipment breakdown, business interruption, and other types of insurance.
GIO has designed products for small businesses operating in hospitality including:
Don't worry, we can still help you.
After entering your details, we can show you a range of covers that may be available to your business.
Our GIO Retail Business Protect product covers the following:
Flexible cover to suit your needs
After entering your details, our application will show a range of covers that may be suitable for your business.
*A small business, having in the case of a non-manufacturing business, less than 20 employees; or in the case of a manufacturing business, less than 100 employees.
Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Read the Product Disclosure Statement before buying this insurance. The Target Market Determination is also available. This advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it.
If you run a hospitality business, like a café or restaurant, Hospitality Insurance may help cover costs for which you’re liable in the event of injury or property damage connected with your business. For example, if someone slips in your store or something you sell causes illness, providing your claim falls within the policy terms and your claim is accepted, it can help with these costs.
Public Liability relates to third party injury or third party property damage whilst you’re on the job, and Products Liability relates to injury to third parties or damage caused by any products you distribute, supply or manufacture.
Each business is different, and as such has different needs when it comes to insurance. However, you may want to keep in mind what contracts you work on, and the conditions of your licence when making a decision.
There are a few scenarios not covered by Public and Products Liability Insurance, including pollution, asbestos, and product recalls.
Speak to a GIO Business Insurance consultant
Call us on 13 10 10.
Our knowledgeable, Australian-based call centre team are passionate about Business Insurance. We’re ready to answer your questions about our products and services. We can also assist you with purchasing or renewing a policy, updating your details and more.
Property Damage
Cover for your building, business contents, stock or specified items for events such as fire, storm (excluding flood), impact, lightning, explosion and earthquake. Also included is the cost of removing debris, and rewriting of records.
Flood cover is not covered as standard. If requested, it may be added to your policy for an additional premium and subject to our underwriting guidelines. Not available online, please call 13 10 10 if interested.
Under the policy, "flood" is defined as the covering of a normally dry land by water that has escaped or been released from the normal confines of any of the following:
GIO Business Insurance can cover certain water damage caused by circumstances other than those outlined above; for example, from a damaged water pipe. For more information, please read the PDS.
Theft
Cover for theft of your contents, specified items and stock. Cover is not provided for theft of contents in the open air.
Glass
Covers loss or damage to glass that you own or for which you are legally responsible at your business premises, the cost of temporary shuttering, replacement of sign writing, cost of replacing any window tinting film and the cost value of stock and contents spoiled by the broken glass.
Money
Covers loss of money at your business premises during and outside of business hours. Cover is also provided for money lost during transit, whilst in a safe or strongroom or in custody at a residential premises. The policy does not cover loss of money due to accounting or clerical errors or theft by staff.
Business Interruption
Provides cover for reduction in turnover or revenue if your business is interrupted due to an insured event such as fire, burglary or storm damage. Reasonable claims preparation costs and increased cost of working are included as extra covers.
Public and Products Liability cover
Cover for your legal liability for personal injury, damage to third party property, and/or advertising liability if it occurred in connection with your business.
Portable and Valuable Items
Cover for portable and valuable items such as mobile phones, laptop computers and tools of trade that you usually carry around with you in the course of your business. Cover is provided for accidental loss or damage to portable and valuable items worldwide. Cover limit up to $2,500 applies per item unless the item has been specified for a higher value.
Tax Probe
Covers you for professional fees (such as accounting fees) associated with a tax audit or investigation of your business’s tax affairs by the ATO or Government agency. Tax Probe cover provided depends on whether you select Business Audit only, Business and Directors Audit or Individual cover.
Commercial Motor
Commercial Motor Vehicle Insurance offers three types of cover for your business vehicles:
Equipment Breakdown
(Not available online)
Covers the cost of repairing or replacing your insured equipment due to a breakdown at your business premises. Cover is also provided for any direct loss or damage to insured property as a result of the breakdown. Deterioration of stock, restoration of computer data and increased costs of working are optional covers available for an additional premium.
Personal Accident & Illness
(Not available online)
Business insurance not only can provide cover for damage to physical assets, but can also offer Personal Accident & Illness cover to business owners and staff named on the policy schedule. There are 2 types of cover:
Goods in Transit
(Not available online)
Provides cover for loss or damage caused to goods you sell, buy or use in your business when they are in transit. There are 2 types of covers:
Management Liability
(Not available online)
Covers the management liability of you, your directors, officers and employees. Optional cover for Employee Dishonesty is also available for an additional premium.
COOKIE AND DATA POLICY
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AAI LIMITED TRADING AS GIO
Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Registered Office, Level 23, 80 Ann Street, Brisbane QLD 4000. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available. In accessing the GIO site you agree to the Online Terms and Conditions.
