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Insurance for cafes, restaurants, bars and more.
As anyone in the hospitality industry knows, there are plenty of risks involved in running a business of this kind.
There are some risks which you can manage yourself, and for many of the others there is insurance.
Although there is a range of insurance covers that a hospitality business needs to consider, one of the most important forms of cover us public liability insurance.
In this guide we will take a look at public liability insurance within the hospitality industry.
What is public liability insurance?
Public liability is a form of insurance which is designed to protect businesses against the risk of causing property damage or personal injury to other people.
A business such as a cafe, bar or restaurant has a high risk of personal injury simply due to the large amounts of foot traffic coming through the premises.
There is the risk that someone could slip and fall within the business premises, and there is also the serious risk of health issues when serving food and beverage.
If your business is found to be responsible for property damage or personal injury to a patron or member of the general public, usually you will be liable for financial costs such as medical expenses and compensation.
With public liability insurance you can move this financial responsibility from your business to the insurance company, provided that the incident is covered by your policy.
The types of businesses within the hospitality industry can vary greatly, from small catering businesses through to large night clubs and pubs. Because of this, and due to the various risks involved, it is important to consult with an insurance broker or adviser before deciding on a policy.
Other forms of insurance
Although here at publicliabilityinsurance.com.au we only detail public liability insurance on our website, there are a number of other forms of insurance that hospitality businesses need to consider.
Some of these other forms of cover include business interruption insurance, general property, theft, glass breakage, employee dishonesty, business expense insurance and cover for cash.
We have a network of insurance brokers and advisers who deal with large numbers of businesses in the hospitality industry, and they will be able to run through these various forms of cover with you to determine whether or not you need them.
Public liability Insurance quotes
There are various ways in which you can obtain quotes for public liability insurance. If you already have a trusted broker or adviser they will be able to provide you with a quote, otherwise you can seek a quote via our website.
We use a network of insurance advisers and brokers who can provide assistance with working out your public liability insurance cost along with the specific needs for you and your business.
For more information please contact us, and if you are ready to take the next step please use our online form to request a quote on public liability insurance for your hospitality business.