Hospitality Insurance — Granite Belt Insurance Brokers
Granite Belt Insurance Brokers arranges hospitality insurance for restaurants, cafes, bars, function venues, catering operators and mixed food and beverage businesses. We are brokers, not insurers — we compare options and structure cover to match the way your venue actually operates. See also: Hospitality guidance and quotes.
Need hospitality cover sorted? Talk to a local broker.
✅ What hospitality insurance is designed to cover
- Public and products liability — injury or property damage claims from customers, including food-related illness (subject to policy terms)
- Property and contents — building (where you insure it), commercial kitchen equipment, fit-out, furniture and stock
- Business interruption — loss of revenue following an insured event such as fire or storm damage (subject to indemnity period)
- Liquor liability — liability arising from service of alcohol where included in your policy
- Money — cash on premises and in transit
- Glass — fixed glass breakage including shopfronts and display panels
- Theft — burglary and stock theft, subject to policy terms and security conditions
⚠️ Common gaps in hospitality cover
- Liquor liability excluded or sublimited when not specifically arranged
- Food contamination and spoilage cover absent or sublimited
- Lease obligations not reflected in liability limits or property cover
- Business interruption indemnity period too short to cover realistic recovery
- Seasonal and event peaks not declared, creating underinsurance
- Assault and battery exclusion present but not identified before a claim
How we structure hospitality cover
- 1) Your activities — food, beverage, function, catering, entertainment, ticketed events
- 2) Your premises — owned, leased, shared kitchen or multi-venue
- 3) Liquor licence conditions — type of licence, trading hours, extended services
- 4) Turnover and peak periods — seasonal peaks, events and catering revenue
- 5) Lease requirements — landlord insurance obligations and specified events
If you need to make a claim
- Contact us early — liquor liability claims involve the insurer and sometimes licensing authorities
- Preserve evidence — CCTV, incident reports, staff statements
- Document losses — damaged stock, lost revenue, repair invoices
- Do not admit liability to third parties before speaking with us
Who this cover suits
- Cafes, restaurants and licensed venues
- Function and event venues
- Catering operators working on- and off-premises
- Food trucks and mobile catering
Renewal checklist
- Review turnover declarations and peak event periods annually
- Confirm liquor licence type and trading conditions match the policy
- Update fit-out and equipment values after renovations
- Check lease obligations against current liability limits
- Confirm food contamination and spoilage cover is included
Related pages
Business Insurance · Motel Insurance · Hotel and Pub Insurance · Contact Us
❓ Common questions about this cover
Here are some of the questions we are commonly asked when arranging hospitality insurance for clients across the Granite Belt, New England and Northern Rivers.
- How much does hospitality insurance cost? Premium depends on your specific situation — cover type, sum insured, activities, claims history and insurer selection all affect the price. We compare options and explain the differences.
- Do I need a broker or can I go direct? You can go direct to an insurer, but a broker compares multiple markets, structures cover to match your needs, and advocates for you at claim time. For complex or rural risks, broker access often finds options not available direct.
- What happens if I need to claim? Contact us immediately. We manage the notification process, help you document the loss, liaise with the insurer and their assessors, and advocate for a fair outcome.
- How do I know if I’m underinsured? Your sum insured should reflect the full cost of rebuilding or replacing at today’s prices. We can help you review your sums insured at renewal.
Talk to a local broker
Granite Belt Insurance Brokers has been arranging insurance across the Granite Belt, New England and Northern Rivers since 1999. We are based in Stanthorpe and understand the local conditions, local risks and local insurer appetite. To arrange or review your 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: Contact Us
Need hospitality cover sorted? Talk to a local broker.
Related pages
What hospitality insurance typically covers
- Property: building, fitout, equipment, stock and contents — subject to sums insured and policy conditions
- Public and products liability: third party claims arising from your premises and the food and beverages you serve — cover scope varies by insurer
- Liquor liability: liability arising from the service of alcohol — critical for licensed venues and often a separate or endorsed section
- Business interruption: loss of revenue and additional costs following an insured event — indemnity period and sum insured are critical
- Theft and money: cover for theft of cash and contents — subject to security requirements
- Glass: accidental breakage of fixed glass — where included
Common gaps for Granite Belt and New England hospitality operators
- Liquor liability scope — the extent of cover for incidents involving intoxicated patrons varies significantly between policies
- Events and functions — hosting private events, weddings or festival activities outside the normal trading scope can create uninsured gaps
- Seasonal revenue — business interruption cover needs to reflect peak season revenue, not average revenue
- Outdoor areas — verandas, beer gardens and outdoor dining areas need to be specifically included
- Food contamination — spoilage and contamination events are often sublimited or excluded on standard policies
How we structure hospitality insurance at GBIB
The Granite Belt has a strong tourism and hospitality sector — including restaurants, cafes, cellar doors, function venues and accommodation with dining. We understand the seasonal nature of the region and structure cover that reflects the actual revenue profile and risk of your operation.
Making a claim
For liability incidents — notify us immediately, even if no formal claim has been made. Do not admit liability. Document the incident with your incident register. For property damage — photograph before repairs and contact us first.
07 4681 1289 · email hidden; JavaScript is required
Who this suits
Restaurants, cafes, bars, function venues, cellar doors, catering operators and mixed food and beverage businesses across Stanthorpe, Warwick, Tenterfield and the broader Granite Belt and New England regions.
Renewal checklist
- Has your turnover or trading pattern changed?
- Have you added any new activities — events, catering, accommodation?
- Has your liquor licence scope changed?
- Have your building or fitout values changed?
- Is your business interruption cover still reflecting peak season revenue?
- Any incidents, complaints or near-misses in the past year?