Restaurant Insurance
A restaurant carries risk from the front door to the back of house: open flame and hot oil in the kitchen, allergens on the menu and a dining-room fit-out worth serious money. Hospo Cover arranges hospitality insurance packages for Australian restaurants, comparing cover across a panel of insurers so one licensed broker looks after the whole venue.
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What restaurants need covered
Public Liability & Food Safety
A guest who slips, or who reacts to an allergen or a bout of food poisoning, can bring a claim against your venue. Public liability can respond to third-party injury and the legal costs of defending it, which matters when a single mistake in the kitchen can affect a whole table.
Kitchen Fire
Commercial kitchens run hot, with fryers, gas burners, grease and flame. Fire is one of the most serious risks a restaurant carries, and property cover can respond to damage to your building, fit-out and contents so a blaze does not end the business.
Contents, Stock & Fit-out
A restaurant fit-out, from the bar to the banquettes, is a major investment. Contents and fit-out cover can respond to fire, theft or storm, and stock cover can help replace spoiled produce and your cellar.
Machinery Breakdown
Ovens, cool rooms, dishwashers and refrigeration keep service running. Machinery breakdown can cover repair or replacement when critical kitchen gear fails, with business interruption to help while it is out of action.
Glass
Shopfront windows, the entrance and internal glass all break. Glass cover can pay to replace it quickly, so you are not trading behind boarded-up windows while a table waits.
Business Interruption
If a fire or major breakdown forces you to close, business interruption can help cover lost income, wages and rent while the kitchen is repaired or rebuilt.
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).