Business Owners Policy
Property and general liability bundled into one policy for small and mid-sized firms.
Read more →Business Insurance
Restaurant & Hospitality
Kitchens, dining rooms, delivery and the liquor licence behind the bar.
What this cover does
Hospitality concentrates several awkward exposures in a small footprint: open flame, slip hazards, perishable stock, high staff turnover and alcohol. Cover is packaged around that combination rather than bought line by line.
Typically included
- Property including kitchen equipment, fit-out and stock
- General liability for guests and visitors
- Spoilage cover for refrigerated stock after an outage
- Business interruption while closed for repairs
- Workers compensation for kitchen and front-of-house staff
- Hired and non-owned auto for deliveries
Common add-ons
- Liquor liability where alcohol is served
- Equipment breakdown on refrigeration and cooking plant
- Food-borne illness and contamination cover
- Assault and battery cover for late-licence venues
- Outdoor dining and sidewalk extensions
Questions
What people ask about restaurant
Is spoiled stock covered?
Only with spoilage cover. A power cut with no physical damage to your own property will not trigger a standard property claim, and a walk-in freezer of stock is a real number.
Do delivery drivers need separate cover?
Yes. Employees delivering in their own cars create non-owned auto exposure, and a personal policy will usually exclude delivery work.
Often taken together
Related cover
General Liability
Third-party injury, property damage and advertising injury claims against your business.
Read more →Quote Restaurant & Hospitality
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.