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Insurance for hospitality

You can get a $150 Virtual Visa Gift Card^ with a new business insurance policy

Use promo code BUSINESS

Offer ends 28 November 2025. Excludes Motor Trade Insurance. T&Cs apply. Policy must be held for a minimum of 30 days from making the first complete payment.

BUSINESS
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What is hospitality insurance?

Hospitality insurance refers to insurance for hospitality businesses like cafes, restaurants, bakeries, catering companies and more. It can help protect the business you’ve worked hard for in case things go wrong.

This could include things like if a customer accidentally trips over something in your shop, or they get sick from eating an unrefrigerated cake you made. If a negligence claim is then made against you, this could create significant costs for your business, impacting both your business’s operations and reputation.

Most hospitality businesses will consider getting Public Liability Insurance (also known as General and Products Liability Insurance). This is designed to cover claims of injury or damage to others (including injury caused by your products), as well as certain legal costs in the event of a dispute. You can choose your level of Public Liability Insurance and explore other cover options like Property, Money and more when you get your Business Insurance quote.

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Who might consider getting hospitality insurance?

Restaurants

If you run a business preparing, cooking and selling meals and beverages from your premises with dine-in, takeaway and/or home delivery options for customers.

Cafes

If you run a cafe selling meals, snacks and beverages, with a seating capacity of less than 50 people.

Takeaway shops

If you have a shop selling meals, snacks and beverages for customers to take away.

Catering companies

If you offer catering services, preparing and providing food and beverages from a commercial kitchen.

Mobile food vans

If you sell meals, snacks and beverages to the public from a mobile food van.

Coffee vans

If you sell hot and cold beverages and food to the public from a mobile coffee van.

What does hospitality insurance cover?

Here are some of the covers available when you get your Business Insurance. You can mix and match to create a policy with the covers you’re looking for.

Public liability

For compensation claims if your business accidentally causes an injury or property damage and you’re found to be liable for it2.

Property

Covers insured property like buildings, contents or stock, for damage from fire, flood, storms and other covered causes2.

Glass

For certain accidental breakages of items like your shopfront windows, glass shelving and display cabinets2.

Business interruption

Cover for certain loss (as detailed in your PDS), if your business is interrupted by specific types of damage2.

Theft

Covers insured property like business contents and stock from loss or damage due to theft2.

Money

Cover for specified business cash, for loss caused by theft or accidental damage2.

Machinery

Cover for sudden and unforeseen breakdown of your specified business machinery2.

Portable property

Covers insured property like tools and devices while they're away from your business premises, against specific events like theft from a locked vehicle2.

Personal accident and illness

This can provide you with a weekly benefit, if you can't do your regular work due to a covered injury or illness2.

Commercial motor

You can insure the vehicles or trailers used in your business, with different levels of cover available2.

Tax investigation

For professional costs if investigated or audited by the ATO or a government revenue office about taxes payable by your business2.

Computer and electronic equipment

Cover for your office's computer systems or electronic equipment, for sudden and unforeseen breakdown or damage from specified events like fire or storm2.

Employee dishonesty

Cover for loss of money or goods caused by employee fraud or dishonesty2.

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Why choose NRMA Business Insurance?

We're flexible

Mix and match our policy cover options and pay your premium by the month at no extra cost 

We mean business

Speak to our Australian-based consultants specialised in business insurance

We're here to help

Contact us by phone, web chat, at a branch or via our claims helpline

Need your certificates or tax invoice?

There are 3 ways to get a copy of your Certificate of Currency, Certificate of Insurance or tax invoice:

  1. Check your email to see if you received your policy documents on the date of purchase.
  2. Log in to your account and read our step-by-step process on how to find your documents online.
  3. If you don’t have an account, chat to us or call us on 132 818.

A Certificate of Currency is proof that you have an active policy.

A Certificate of Insurance shows what your policy covers, the amount covered and the period of cover.

FAQs

Hospitality Insurance FAQs

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What insurance might a restaurant or cafe consider?

Hospitality business owners will generally consider Public Liability Insurance to cover their businesses in the event of a liability claim. Whether you have a restaurant, cafe, diner, bistro or other eatery, getting insurance is important to protect what matters most to your business, like your cash flow and operations.

Our Public Liability Insurance (also called General and Products Liability Insurance) is designed to cover claims that could arise from a range of different accidents. For example, if someone accidentally hurts themselves in your shop, you damage someone’s property, a product you sold makes a customer unwell, or a customer is injured because of your employee’s negligence.

When you get your Business Insurance quote, you can tailor a policy to suit your business’s specific needs. For example, you can choose a Public Liability Insurance cover limit of up to $5 million, $10 million, $15 million or $20 million. Or if you need more cover, call us on 132 818.

You may also want to get cover for other things that are important to your business. That’s why we offer a range of cover options including Property, Glass, Theft, Money and more.

For more information about what’s covered, read the Product Disclosure Statement (PDS).

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How much is hospitality insurance?

It depends on a number of factors, including the type and level of cover you choose, the type of business you run and how many staff you have.

The quickest way to get an estimate of how much it costs is to get a quote.

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How do I make a claim?

You can make a claim over the phone through our claims helpline.

For more information about making a business insurance claim with us, visit our claims page.

Contact us

Speak to us

Can’t find what you’re looking for? We’re here to help.

Talk to us over the phone or chat to us online.

You can also ask us to contact you about a Business Insurance quote.

Expert advice

Your hospitality business is unique. Your insurance should be too

Expert Advice is our online tool that helps you choose your business insurance cover.

It recommends cover that’s tailored for your business, and you can still make changes if you want to.

Things you should know

^The Virtual Visa Gift Card Offer applies in conjunction with the purchase of a new NRMA Business Insurance, NRMA Professional Indemnity Insurance or NRMA Information and Communications Technology Liability Insurance policy taken out online, over the phone or at a branch between 12:00am AEDT 10 October 2025 and 11:59pm AEDT 28 November 2025. Promo code BUSINESS must be applied to be eligible for this Offer. Policy must be paid for by the policy due date, and cannot be cancelled within 30 days after making the first complete payment. A valid email address must be provided. Virtual Visa Gift Cards can be used in person, online and/or over the phone at retailers that accept the Virtual Visa Gift Card. Offer will not be applied to any renewal of your policy. See the full terms and conditions for the Gift Card Offer.

  1. You can save up to 10% on the ‘base premium’ for the first year when you purchase an eligible new NRMA Business Insurance policy online. The base premium is the premium we have calculated but does not include any government or statutory charges. Any discounts only apply until you reach a minimum premium, so your discount might be limited by the minimum premium (in which case the discount applied may be significantly below the maximum advertised discount). If your base premium is $220 (the minimum base premium for NRMA Business Insurance) you will not receive a discount under this Business Insurance Online Offer. This offer is available on eligible products only, excludes Motor Trade Insurance, Professional Indemnity Insurance, Information and Communications Technology Liability Insurance. The offer may be withdrawn at any time and is subject to its full terms and conditions. When we calculate your premium on renewal, we may limit any increases or decreases in your renewal premium by considering factors like your previous year’s premium. Cover is subject to standard underwriting and policy terms.

  2. Terms, conditions, limits and exclusions apply. See the relevant Product Disclosure Statement for further details.