Hospitality Insurance Guidance & Quotes — Granite Belt Insurance Brokers
This page provides guidance on hospitality insurance for restaurants, cafes, bars and function venues. For the full product page see Hospitality Insurance. To request a quote, contact us.
Need hospitality cover sorted? Talk to a local broker.
✅ Cover sections to consider for hospitality businesses
- Property and contents — building fit-out, kitchen equipment, furniture and stock
- Public and products liability — injury, illness or property damage claims from customers
- Liquor liability — liability arising from service of alcohol to patrons
- Business interruption — revenue protection if your venue cannot trade after an insured event
- Money — cash on premises and in transit
- Glass — shopfront and fixed glass breakage
⚠️ Common gaps for hospitality operators
- Liquor liability not specifically included — check your policy wording
- Food contamination and spoilage sublimit too low
- Business interruption indemnity period shorter than realistic recovery time
- Lease obligations not reflected in liability limits
- Assault and battery exclusion present but not identified
What we review when arranging hospitality cover
- 1) Activities — food, beverage, catering, events, entertainment
- 2) Liquor licence — type of licence, trading hours and conditions
- 3) Turnover — including seasonal peaks and event revenue
- 4) Premises — owned, leased, shared kitchen or multi-venue
- 5) Lease obligations — landlord-required sections and minimum limits
Making a claim
- Contact us immediately for any incident involving a customer injury or illness
- Preserve CCTV footage and incident reports
- Document all stock losses with supplier invoices
- Do not admit liability before speaking with us
Who this suits
- Restaurants, cafes and licensed bars
- Function and event venues
- Catering operators on and off premises
Renewal checklist
- Review liquor licence conditions and trading hours at renewal
- Update fit-out and equipment values after renovations
- Confirm business interruption indemnity period is realistic
Related pages
Hospitality Insurance · Hotel & Pub Insurance · Business Insurance · Contact Us
Need hospitality cover sorted? Talk to a local broker.
❓ Common questions
Here are questions we are commonly asked about hospitality insurance by clients across the Granite Belt and New England.
- How much does hospitality insurance cost? Premium depends on your specific situation — activities, asset values, cover type and claims history all affect the price. We compare options across multiple insurers and explain the differences clearly.
- Do I need a broker or can I go direct? You can approach insurers directly, but a broker compares multiple markets, structures cover to match your specific needs and advocates for you at claim time. For regional and rural risks, broker access often finds options not available direct.
- What happens when I need to claim? Contact us immediately. We manage the notification, help document the loss, liaise with the insurer and assessors, and advocate for a fair outcome.
- How do I know if I am underinsured? Your sum insured should reflect full replacement cost at today’s prices. We review sums insured at every renewal and flag concerns before a claim makes the shortfall real.
Get a quote or review
Granite Belt Insurance Brokers has been arranging insurance across the Granite Belt, New England and Northern Rivers for over 25 years. To arrange or review your hospitality insurance, contact us without obligation.
- Call: 07 4681 1289 — Monday to Friday 8:30am to 5pm
- ✉️ Email: email hidden; JavaScript is required
- Request a quote or review online
Related pages
Hospitality Insurance · Hotel & Pub Insurance · Business Insurance · Contact Us
Hospitality insurance across the Granite Belt and New England
Granite Belt Insurance Brokers arranges hospitality insurance for clients across the Granite Belt, New England and Northern Rivers from our Stanthorpe base. We have been placing this type of cover in the region for over 25 years and understand the local risk environment, insurer appetite for regional operations, and what is needed to support a claim when something goes wrong. We are insurance brokers — we work for you, not for the insurer.
Whether you are in Stanthorpe, Warwick or anywhere across our service region, the process is the same — we ask about your situation, compare options across multiple insurers, explain the differences clearly, and manage the policy and any claims on your behalf. Cover is subject to insurer acceptance, policy terms, conditions and exclusions. All information on this page is general in nature — speak with us to discuss your specific circumstances.
See also: Insurance Stanthorpe · Insurance Warwick · Contact Us.
Why use Granite Belt Insurance Brokers
As an Authorised Representative of Community Broker Network Pty Ltd (CBN AFSL 233750) and a Steadfast Group member, Granite Belt Insurance Brokers has access to a broad panel of admitted insurers and products not available through direct channels. Our team holds formal qualifications including Diploma of Insurance Broking, QPIB and Senior Associate CIP (ANZIIF).
We act on your behalf — not the insurer’s — to help you understand your options, prepare information for underwriting, and support you through the claims process.
What to do next
If you would like to discuss your insurance requirements, contact us for a no-obligation conversation. We will help you understand what information is typically needed and what options may be available for your situation.
Call 07 4681 1289 · email hidden; JavaScript is required · Contact Us
All strategies and information provided on this website are general advice only which does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal advice prior to acting on this information. Cover availability, terms, exclusions and premiums vary by insurer, product and individual circumstance.