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Insurance for the Hospitality Industry

Businesses in the Australian hospitality sector are seeing increased pressure to find insurance cover that meets the evolving risk exposures of the industry. At Marsh, we work with a wide variety of hospitality businesses to arrange insurance solutions appropriate for these risk requirements.

Speak to an insurance broker at Marsh today about arranging a quote for your business. 

Insurance Solutions for Hospitality Businesses

Public Liability Insurance

Public liability insurance can help financially cover a hospitality business if a third party (often a customer) claims they have suffered a serious injury or their property has been damaged due to the alleged businesses activities. Even if the business is not at fault, public liability insurance can help cover potential legal costs that arise from defending a negligent conduct allegation.

Property Insurance

Property insurance helps cover the physical loss or damage to business assets (e.g. building, contents and stock) at premises from specified unforeseen occurrences, such as fire and storm damage.

Money Cover

This form of insurance is designed to cover business's money whilst on their premise during and outside of business hours.

Commercial Vehicle Insurance

There are three main cover options available through commercial motor vehicle insurance including comprehensive, third party fire & theft or third party.

Personal Accident Insurance

Personal accident insurance, also known as personal injury insurance, is designed to provide financial compensation if the insured person suffers a serious injury or death as the result of an accident. It can cover against loss of income and based on the insurance policy purchased, can also provide financial cover for bills and other expenses.

Machinery Breakdown Insurance

Machinery, such as commercial coffee machines or dishwashers, can be critical to a hospitality business’ day-to-day operations. With a key piece of machinery out of action, business owners can run the risk of substantial loss of revenue until such item is fixed. Machinery breakdown insurance can help cover any sudden or unforeseen breakdowns of business equipment that is on premise.

Business Interruption Insurance

Business interruption insurance can help hospitality businesses recover and get back on track after an unexpected significant property loss, including temporary shutdown from serious fire or storms.

Management Liability Insurance

Management liability insurance is designed to help protect managers of a business against claims arising from alleged wrongful acts.

Electronic Equipment Breakdown Insurance

This type of insurance can help cover the breakdown of electronic equipment at business premises (e.g. photocopiers, computers, point of sale software).

Workers Compensation*

Marsh offers a range of services to help businesses manage their workers compensation responsibilities, including injury prevention and reduced claims.  We can also provide risk advice on the currency and coverage of OH&S systems; aiming to avoid expensive fines and other penalties.

Arrange a quote for your Insurance needs today.

Our experts can help identify your business risks and mitigate against them with effective insurance and risk management advice.

Request a quote



Marsh, the trusted Insurance Brokers for thousands of Australian Small Businesses

Localised support and expertise

We have dedicated insurance brokers based across Australia who offer insurance and risk advice backed by local and industry-specific expertise.

Tailored Insurance coverage

Our commitment is to arrange insurance coverage that is tailored to meet the evolving risk needs of the industry in a cost-efficient and timely way.

Claim management and advocacy 

In addition to placing insurance policies for our clients, we can also help manage, negotiate and settle claims with insurers on your behalf. 

Access to the global market

Our Australian team of advisors also have access to global underwriters, enabling us to obtain insurance quotes for complex or uncommon risks. 



Hospitality Businesses we already support 


Bed and Breakfasts


Coffee Vans




Food Trucks



Can’t see your business listed above?
Marsh can still help.

Our insurance brokers work with a broad spectrum of hospitality sectors and businesses to help find the right cover for their needs.

Frequently Asked Questions

How much is Hospitality Insurance?

The cost of hospitality insurance can vary from business to business and risk to risk.  There are a number of factors that can impact the premium of an individual policy, including:

  • Size and turnover
  • Geographical location
  • Claims history
  • Services and goods sold

Different insurers may also have different pricing structures. Insurance providers can base a policy’s premium on the risks they take on and having a high number of exclusions can reduce these risks, which may result in a lower premium. We strongly recommended reviewing the policy wording or product disclosure statement beforehand to help make sure the cover you are arranging meets the specific risk requirements of your business. 

Do Marsh offer monthly payment options for Hospitality Insurance?

Yes, we can organise monthly instalments** with a finance company provided you meet their certain criteria. To request monthly payments, please reach out to your dedicated Marsh insurance broker or click here to fill out our contact form, and of one our team members will get back to you shortly.

**Interest and additional fees may be applicable. Terms and conditions apply. 

How often should I review my Hospitality Insurance policy?

The answer to this question is largely dependent on how frequently changes occur to your business. Whether it’s business growth, change at an industry level, or expanding out your services, there are several changes that should trigger an insurance renewal or review.

As a rule of thumb, we recommend reviewing your policy on at least an annual basis to ensure your business is covered appropriately for its risk exposures and risk appetite, but more frequently if anything changes.

Helpful Articles

*Marsh does not arrange workers compensation insurance in those States where there is a government scheme and provides only consultancy services in those States.
Any advice concerning legal or regulatory matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as legal or regulatory advice, for which you should consult your own professional advisors.

**Terms and conditions apply. Fees may also apply. 

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“MAI”) arrange this insurance and is not the insurer. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). JGS is part of the Marsh group of companies. Any advice in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) which is a related entity of MAI. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh Advantage Insurance on request.