Bar Insurance
Bars serve late, get busy and pour a lot of liquor, and every one of those things shapes your risk. Hospo Cover arranges hospitality insurance packages for Australian bars and cocktail venues, comparing cover across a panel of insurers so your patrons, your stock and your takings are all looked after.
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What bars need covered
Public Liability & Patron Safety
Crowded rooms, alcohol and hard floors are a claim waiting to happen. A patron hurt in a fall or an altercation can bring a claim your way, and public liability can respond to third-party injury and the legal costs of defending it.
Liquor & Licensed-Venue Risk
Serving alcohol brings responsible-service obligations and extra scrutiny at claim time. It is worth telling your broker exactly how you trade, your hours, your security and your events, so cover is arranged around a licensed venue rather than a generic shop.
Glass
Glassware, mirrors, the shopfront and display fridges all break in a busy bar. Glass cover can pay to replace them quickly, so a smashed front window does not stop you opening tonight.
Money
Bars handle floats, cash takings and tips, often late at night. Money cover can respond to theft of takings on the premises, in transit to the bank or from a locked safe.
Contents, Stock & Fit-out
Your fit-out, sound system, spirits and cellar are all real money. Contents and stock cover can respond to fire, theft or storm, so one bad night does not clean you out.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.
Reviews are for Stonewell Insurance, the business behind Hospo Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).
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Hospo Cover is a registered trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).