Hospitality Business Insurance in Australia
Protecting Restaurants, Cafés, Bars, Hotels & More
Running a hospitality business in Australia is exciting, but it also comes with unique risks. Whether you manage a café, operate a busy restaurant, own a bar, or run a boutique hotel, you face challenges every day that could impact your business. From customer slips and food safety issues to unexpected equipment breakdowns or damage to your premises, the right hospitality insurance ensures you’re protected.
At Design Cover Insurance Brokers, we specialise in tailored insurance solutions for the hospitality industry. With decades of experience and a genuine understanding of the challenges hospitality businesses face, we help owners like you secure affordable, reliable protection — so you can focus on what you do best: serving your customers.
Why Hospitality Businesses Need Insurance
The hospitality industry is built on people, service, and equipment — and that means there are many moving parts to protect. Some of the most common risks hospitality businesses face include:
Customer accidents and injuries – A slip, trip, or food allergy claim could lead to costly legal bills.
Property damage – Fires, storms, or accidental damage can shut down your premises.
Equipment failure – A broken fridge, freezer, or oven can result in lost income and spoiled stock.
Staff risks – Employee claims and liability issues can disrupt your operations.
Third-party claims – From suppliers to delivery drivers, liability extends beyond customers.
That’s why specialised hospitality business insurance is essential. It provides peace of mind and financial protection when the unexpected happens.
Public Liability & Business Liability Insurance
Public liability is one of the most important covers for any hospitality business. It protects you if a customer, supplier, or third party is injured or suffers property damage because of your business activities.
Examples in hospitality include:
A customer slips on a wet floor in your restaurant.
A supplier trips over equipment during a café delivery.
A guest’s property is accidentally damaged at your hotel or bar.
Without cover, these incidents can lead to expensive lawsuits, medical costs, and reputation damage.
Why Business Liability Insurance Matters
Business liability insurance goes hand-in-hand with public liability. It extends protection for broader risks that can affect your operations, ensuring your café, restaurant, or venue can continue trading even when claims arise.
At Design Cover, we help you secure the right level of liability cover — tailored to your size, location, and the type of hospitality business you run.
Business Building & Contents Insurance
Your hospitality premises and everything inside them are the backbone of your business. Fires, storms, floods, or even vandalism can cause severe damage and disrupt your ability to trade.
Business building insurance protects your physical property, while contents insurance covers what’s inside — including furniture, stock, and fittings.
Examples of coverage:
A fire damages the kitchen in your restaurant.
A storm destroys outdoor seating at your café.
A break-in leads to stolen bar stock and damaged equipment.
Having the right building and contents insurance for restaurants, cafés, bars, and hotels ensures you can recover quickly and avoid long-term financial loss.
Equipment Breakdown Insurance
Hospitality businesses depend heavily on equipment. From commercial ovens to refrigeration systems, a single breakdown can halt your operations, spoil stock, and cost thousands in repairs or replacement.
Equipment breakdown insurance provides cover for sudden, unexpected failures of essential machinery.
Examples in hospitality:
A café fridge fails, spoiling milk and fresh produce.
A hotel laundry machine breaks down, delaying guest services.
A restaurant oven malfunctions during peak service hours.
This type of cover ensures your essential equipment can be repaired or replaced quickly, keeping your business running and your customers satisfied.
Tailored Hospitality Insurance Packages
Every hospitality business is unique — which means your insurance should be too. At Design Cover, we don’t believe in one-size-fits-all policies. Instead, we tailor packages that meet your specific needs.
Who we cover:
Restaurants & fine dining venues
Cafés & coffee shops
Bars, pubs & nightclubs
Hotels, motels & accommodation providers
Caterers & function venues
Food trucks & mobile vendors
By combining public liability, business liability, building & contents cover, and equipment breakdown insurance, we create a complete safety net for your hospitality business.
Why Choose Design Cover?
With over 20 years of broking experience, our team understands the challenges hospitality operators face.
Local Expertise – Based in Queensland, we understand Australian hospitality risks.
Tailored Advice – We listen to your needs and design cover that fits.
Strong Industry Knowledge – We specialise in hospitality and SME insurance.
Personal Service – Speak directly with an experienced broker, not a call centre.
Ongoing Support – We’re here to help with claims, renewals, and questions.
Our mission is simple: to protect your hospitality business so you can focus on serving your customers and growing your brand.
How Much Does Hospitality Insurance Cost?
The cost of hospitality insurance in Australia depends on several factors, including:
The size and type of your business (café vs hotel vs bar).
Your annual turnover.
The level of cover you choose (e.g., liability limits, property values).
Location and risk exposure.
At Design Cover, we source competitive quotes from leading insurers to ensure you get the best value without compromising on protection.
Get a Hospitality Insurance Quote Today
Your hospitality business deserves protection you can trust. Whether you run a small café or manage a busy hotel, Design Cover Insurance Brokers can help you find the right solution.
📞 Call us on 0419 550 677
📧 Email hello@designcover.com.au
🌐 Quote www.designcover.com.au/quote
Get started today with a hospitality business insurance quote and enjoy peace of mind knowing your business is covered.