Hotel & Pub Insurance
Why Hotel & Pub Insurance matters for regional businesses
Granite Belt Insurance Brokers helps organisations across the Granite Belt, New England and Northern Rivers arrange hotel & pub insurance with clear advice, fast quotes and active claims support. We deal with mainstream insurers and specialist underwriters, so you get practical cover that fits how you operate — not a generic policy. Our team maps your risks, compares the market and explains exclusions and sub-limits in plain English before you commit.
What this cover can include
- Core insuring clauses that respond to the most common incidents for your sector.
- Optional extensions that protect against region-specific exposures (weather, supply chain, machinery breakdown and more).
- Flexible indemnity limits and deductibles, so you can match cover to budget.
- Access to risk engineering and claims triage when something goes wrong.
Who typically needs hotel & pub insurance?
We support family businesses, farms, contractors, trade services and professional firms that want an adviser who understands the realities of regional operations. Whether you run a packing shed, motel, fleet of trucks, IT consultancy or a vineyard, we align cover to revenue, assets and contracts so you can meet landlord, lender and client requirements without overpaying.
Common claim scenarios
- Storm, hail or flood damage to buildings, stock and equipment.
- Liability incidents involving customers, subcontractors or the public.
- Motor and machinery losses (on-road and on-farm) including downtime.
- Cyber incidents such as ransomware, funds transfer fraud or privacy breaches.
- Professional errors and contract disputes that escalate into claims.
What we need to quote
To obtain firm terms we’ll confirm business activities, turnover, staff numbers, claims history and assets. For larger placements we may request asset schedules and security details. This lets us negotiate sharper pricing and remove unnecessary extensions.
How we place cover
- Quick discovery call to understand your risks and priorities.
- Market comparison across suitable insurers (we explain differences).
- Recommendation with clear excesses, sub-limits and exclusions.
- Binding, certificates of currency and onboarding to our claims process.
- Annual review with adjustments for growth, new contracts and equipment.
Useful pages
- Property Insurance
- Aviation Insurance
- Personal Travel Insurance
- Professional Indemnity Insurance
- Heavy Motor & Fleet Insurance
- Corporate Travel Insurance
- Request Advice
- Claims
Regional links
- Insurance Stanthorpe
- Insurance Warwick
- Insurance Tenterfield
- Insurance Inverell
- Insurance Casino
- Insurance Kyogle
FAQs
How do you compare insurers?
We approach multiple markets and benchmark wording strength, sub-limits, endorsements and pricing. We explain trade-offs so you can make an informed decision.
Can you work with existing contracts and lender clauses?
Yes. Send us the requirements and we’ll align the policy and proof of cover to match, highlighting any gaps before renewal.
Do you help if I need to claim?
Absolutely. We manage notifications, evidence and settlement negotiation so you can focus on running your business.
What if my turnover, vehicles or assets change mid-term?
Tell us and we’ll update schedules or limits. Many covers can be endorsed mid-term to avoid underinsurance.
Talk to a broker
Ready to review your hotel & pub insurance? Call Granite Belt Insurance Brokers on 07 4681 1289 or email email hidden; JavaScript is required. Prefer a call-back? Use our Request Advice form.