Pub Insurance
A pub is really several businesses under one roof: a busy bar, a working kitchen, a gaming room and often accommodation upstairs. Hospo Cover arranges hospitality insurance packages for Australian pubs and hotels, comparing cover across a panel of insurers so every part of the venue is looked after by one licensed broker.
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What pubs need covered
Public Liability for Big Crowds
Pubs pack in crowds across bars, beer gardens, gaming and function rooms. More patrons and more alcohol mean more chance of a slip, a fall or an altercation, and public liability can respond to third-party injury and the legal costs.
Building, Contents & Fit-out
Whether you own or lease, a pub is a large property with a serious fit-out. Property cover can respond to fire, storm and theft across the building, contents and stock, including the cellar.
Kitchen & Machinery Breakdown
A pub bistro runs a full commercial kitchen and cool rooms. Machinery breakdown can cover critical gear when it fails, and fire cover can respond to the extra risk that open flame and fryers bring.
Gaming, Liquor & Money
Gaming machines, a liquor licence and cash takings all add exposure a standard shop policy will not contemplate. Tell your broker how you trade so cover, including money on the premises and in transit, is arranged around a licensed hotel.
Accommodation & Guests
If you let rooms upstairs, you take on guests, their property and extra fire-safety duties. Let us know, so the accommodation side is factored into your cover rather than left as a gap.
Business Interruption
A fire or major flood can close a whole pub. Business interruption can help cover lost income, wages and ongoing costs while you repair and reopen.
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).