Hospitality Insurance

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.

Get a quote   Call us

Know you're covered

Benefits of insuring with GIO

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.

Fast & easy claims

An easy claims lodgement process

Pay monthly

The ability to pay monthly which can assist with your cash flow.

 

Overview

What is hospitality insurance?

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.

Who is hospitality insurance for?

GIO has designed products for small businesses operating in hospitality including:

  • Small businesses with a fixed premises such as cafes, restaurants, takeaway shops such as fish and chip shops and sandwich shops, and juice bars. See below to learn more about 'GIO Retail Business Protect'.
  • Mobile businesses operating on the road, such as caterers, food trucks, coffee trucks and ice cream vans. Cover for these types of businesses is based on vehicle type (e.g. food trucks under 5 tonne carrying capacity), and any modifications and accessories. See below to learn more about 'GIO Mobile Business Protect’.

Can't see the business you're looking for?

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.

What can hospitality insurance cover?

Our GIO Retail Business Protect product covers the following:

Public and products liability

Cover for your legal liability to pay compensation for personal injury to another person (other than employees or deemed employees), damage to third party property, and/or advertising liability if it occurred in connection with your business. For example, if a customer:

  • slips and falls due to a wet patch caused by a leaking appliance at your premises
  • falls ill with food poisoning after eating food at your cafe, and
  • sues your company for violating their privacy, e.g. without obtaining permission to use their photo in an advertisement providing your claim falls within the policy terms, then the liability insurance cover may help. Limits, conditions and exclusions apply and you should always read the PDS before buying this insurance.

Equipment breakdown

Covers the cost of repairing or replacing your insured equipment—such as ovens and other cooking equipment, as well as point-of-sale equipment. Cover can also be provided for any direct loss or damage to property insured as a result of that breakdown. 'Deterioration of stock', 'Restoration of computer data' and 'Increased cost of working' are all optional covers when requested by you and when you pay an additional premium and are shown on your policy schedule.

This cover is not available online, so please call us if you'd like to include these optional covers.

Commercial Motor

If your business relies on a vehicle, you can choose from three types of cover for each vehicle you insure:

Comprehensive cover: provides cover for accidental damage to your vehicle as well as the cover offered by legal liability cover

Legal liability, fire and theft: provides cover for loss or damage to your vehicle for fire and theft only and cover for third party property damage

Legal liability: provides cover for third party property damage only.

Covers we offer

Flexible cover to suit your needs

GIO Public Liability

For businesses that only need basic cover

Public Liability is available within GIO's Protect range of policies.

Public and Products Liability cover with limits up to $20 million

Advertising liability

Cover for items held in your care, custody or control

GIO Mobile Business Protect

For businesses operating on the road

If you’re running a mobile hospitality business like a coffee van or food truck, GIO Mobile Business Protect offers all the benefits of Public Liability plus other covers that you can choose according to your needs.

Public and Products Liability cover with limits up to $20 million

GIO Retail Business Protect

For businesses operating from a commercial premises

If you are running a restaurant, café or coffee shop, GIO Retail Business Protect is designed to cover your needs with enhanced covers for specialised fit-outs and seasonal increases to stock. However if you’re a mobile food vendor GIO Mobile Business Protect may help by providing cover for those business insurance needs.

Public and Products Liability cover with limits up to $20 million

Get a tailored hospitality insurance quote

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.

Frequently asked questions
for Hospitality

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.

View contact hours

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:

  • a lake (whether or not it has been altered or modified);
  • a river (whether or not it has been altered or modified);
  • a creek (whether or not it has been altered or modified);
  • another natural watercourse (whether or not it has been altered or modified);
  • a reservoir;
  • a canal; or
  • a dam.

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:

  • Comprehensive cover: provides cover for your vehicle as well as third party property damage
  • Legal liability, fire and theft: provides cover for your vehicle for fire and theft only and cover for third party property damage
  • Legal liability: provides cover for third party property damage only.

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:

  • Accident only
  • Accident & Illness

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:

  • Specified perils: includes collision, fire and explosion
  • Accidental damage: includes specified perils and accidental loss or damage

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.