Hospitality.

Business Interruption cover may help protect income and ongoing operating costs if a hospitality business is unable to trade following insured property damage, such as fire, storm, or equipment failure. 

Yes. Many venues rely on booking systems, payment platforms and customer data. Cyber incidents such as data breaches, ransomware attacks or payment fraud can disrupt operations and affect customer trust. 

Yes. Property or equipment breakdown cover can often be arranged for hospitality equipment such as commercial ovens, refrigeration systems, dishwashers and other critical machinery. This protection may help cover repair or replacement costs following insured damage or mechanical failure. 

Businesses hosting private events, weddings, conferences or live entertainment may face additional exposure relating to guest safety, crowd management and venue operations. Insurance can often be structured to reflect event activity and the associated liability risks.

Often, yes. Expanding into additional locations, increasing seating capacity, introducing events, or adding services such as delivery or accommodation can all change a business’s risk profile and may require insurance arrangements to be reviewed. 

Workers’ Compensation insurance provides protection for employees who suffer injury or illness in the course of their work and is typically a legal requirement for employers in Australia.