Hotel & Pub Insurance — Granite Belt Insurance Brokers
Granite Belt Insurance Brokers arranges hotel and pub insurance for licensed venues across the Granite Belt and New England. Whether you are a small country pub, a hotel with accommodation, or a larger venue with gaming, we structure cover to match your licence conditions and trading profile. See also: Hospitality Insurance and Hospitality Guidance.
✅ What hotel and pub insurance needs to cover
- Public liability — injury or property damage claims from patrons and visitors
- Liquor liability — liability arising from service of alcohol including intoxication-related incidents
- Assault and battery cover — cover for claims arising from physical altercations on premises (often excluded from standard liability)
- Property and contents — bar equipment, fit-out, gaming machines and building
- Business interruption — revenue protection if the venue cannot trade after an insured event
- Accommodation liability — if rooms are let, specific guest liability cover is required
⚠️ Common gaps for hotels and pubs
- Assault and battery exclusion on liability policy — not identified until a claim arises
- Gaming machine cover absent or underinsured
- Liquor liability sublimit too low for venue trading hours and patron volume
- Accommodation liability not addressed separately from general public liability
- Business interruption indemnity period does not account for liquor licence reinstatement time
How hotel and pub cover is structured
- 1) Licence type and conditions — trading hours, patron capacity and entertainment conditions
- 2) Venue revenue — wet sales, gaming, meals and accommodation
- 3) Security arrangements — door staff, CCTV and incident register practices
- 4) Gaming machines — count, location and machine values
- 5) Accommodation — room count and guest liability obligations
Making a claim
- Preserve CCTV footage for all reported incidents
- Maintain a patron incident register with staff statements
- Notify us for any assault, injury or property damage claim however minor
- Do not admit liability to patrons or their representatives
Who this suits
- Country and regional pubs with bistro and accommodation
- Licensed clubs and entertainment venues
- Hotels with significant gaming and food and beverage operations
Renewal checklist
- Review liquor licence conditions at renewal — any changes affect cover
- Confirm assault and battery cover is included
- Update gaming machine count and values
- Check accommodation liability is separately addressed
Related pages
Hospitality Insurance · Motel Insurance · Business Insurance · Contact Us
❓ Common questions
Here are questions we are commonly asked about hotel and pub insurance by clients across the Granite Belt and New England.
- How much does hotel and pub 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 hotel and pub 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 · Motel Insurance · Business Insurance · Contact Us
Hotel and pub insurance across the Granite Belt and New England
Granite Belt Insurance Brokers arranges hotel and pub 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.
Related pages
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