Hospitality
Hospitality
The hospitality industry is built on service, experience, and reputation and it operates in an environment full of physical, financial, and legal risks. Whether you run a restaurant, hotel, bar, café, or catering business, you face exposure to property damage, customer injury, equipment failure, and regulatory compliance.
At Angelic Insurance, we provide general advice to help hospitality businesses explore cover options such as public liability, property insurance, equipment breakdown, business interruption, and management liability. We compare policies from leading Australian insurers to help you find protection suited to your location, clientele, and operations.
From boutique accommodation providers to high-volume venues, we help ensure that your business stays covered, so you can continue to deliver great guest experiences without disruption.
Why Choose Angelic Insurance?
Hospitality businesses need responsive, compliant, and practical cover that can keep up with the pace of service. Here’s how Angelic Insurance supports operators across the industry:
Cover for Venues, Events, and Service Models
We help restaurants, bars, hotels, function centres, and food trucks compare cover that reflects their unique business structure, trading hours, and occupancy levels.
Liability Protection for Guests and Staff
Hospitality environments carry a high risk of slip and fall incidents, burns, and food-related claims. Public liability options help protect your business from these exposures.
Protection for Fit-outs, Kitchens, and Stock
We assist in reviewing cover for valuable items like commercial kitchens, POS systems, bar equipment, and perishable stock.
Support for Business Continuity
Whether due to fire, flooding, or unexpected closure, business interruption cover can help maintain cash flow and protect staff wages during downtime.
Fast Support with Certificates and Renewals
Need proof of insurance for a liquor licence, lease agreement, or council registration? Our team provides quick documentation and ongoing policy reviews.
Industry Challenges
The hospitality industry operates on thin margins and tight schedules. Without proper cover in place, your business may face:
Guest Injury or Food-Related Illness
Customers may file claims for injury or illness linked to food safety, slips, or service incidents. Public and product liability cover helps manage these risks.
Fire or Storm Damage
A fire in the kitchen or water damage to your dining area can shut you down overnight. Property insurance helps you recover and reopen faster.
Theft or Equipment Failure
Loss of key equipment like fridges, ovens, or espresso machines can lead to service delays or wastage. Equipment cover helps reduce the impact of breakdowns or theft.
Licensing and Landlord Requirements
Licensing bodies and commercial landlords often require proof of public liability or business insurance. Non-compliance can lead to fines or lease termination.
Staffing and HR Disputes
Claims from employees about harassment, underpayment, or unfair dismissal can lead to legal costs. Management liability cover can help protect your business leadership.
Frequently Asked Questions
Coverage includes hotels, restaurants, and event venues.
Yes, Public Liability Insurance applies.
Yes, buildings and contents are included.
Yes, tailored solutions for contamination risks are available.
Yes, through Workers' Compensation Insurance.
Yes, for revenue loss during closures.
Yes, Cyber Insurance is available.
Angelic Insights
