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Hospitality Insurance without the guesswork.
Call 0418 166 122You speak with Shahid Mohammad, principal broker, 24+ years. A licensed Australian broker, not a call centre.
- 10 years advising Australians
- Steadfast network access
- Licensed Australian brokers
Compare hospitality insurance quotes from multiple Australian insurers. Insurance quotes from a licensed Australian broker with Steadfast network access.
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10 Years Advising Steadfast Network Access Licensed Australian Brokers Australia-Wide
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We make hospitality insurance fast and easy at Insurance Time. Get a quote today.
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Why Choose Insurance Time
Protect yourself with cover arranged by a licensed Australian broker who explains it in plain English.
Professional
Our team are experienced in hospitality insurance and licensed to advise on it.
Experienced
Ten years advising Australian families and businesses, with Steadfast network access.
Renewal management
Our team will manage your renewals and keep you informed and up to date.
24/7 claims
Notify us of a claim 24/7, 365 days a year.
Cover Options
We can arrange different levels of cover for you and your business.
Public liability
Protection for third party property damage or personal injury.
Business package
Customised cover for your business assets and liabilities.
Personal insurance
Protection for you and your family.
Property
Protection for your personal and business premises and contents.
Workers compensation
Cover questions for your employees and workers.
Get A Quote. It's Complimentary.
It's time to review your hospitality insurance.
General information only. Any cover depends on the PDS, TMD, eligibility, underwriting, and policy terms. We use your details to respond to this enquiry.
24+ years of Shahid Mohammad's insurance experience
PDS/TMD terms checked before decisions
Phone first direct Shahid Mohammad contact path
Next step quote, renewal, or advice pathway
Broker proof
Talk it through with Shahid Mohammad before you decide.
A named Insurance Time broker can help turn this cover question into a practical review path. Call Shahid Mohammad directly or book if a scheduled conversation is easier.
- 24+ years of Shahid Mohammad's insurance experience behind broker-led conversations.
- PDS, TMD, eligibility, underwriting and policy terms stay central.
Venue review
Work through the kitchen, the room, and the licence.
Food and beverage
Menu type, food handling, delivery, and whether alcohol is served all affect liability and insurer appetite.
Kitchen and equipment
Commercial cooking equipment, extraction, refrigeration, and coffee machines are a common source of both damage and interruption.
Premises and lease
Leases frequently require specific limits and wordings, and glass, fit-out, and make-good obligations often sit with the tenant.
Covers commonly discussed
What a hospitality pack usually weighs up.
Venue cover generally spans the people through the door, the equipment that runs the service, the stock in the fridges, and the trading income if the doors close.
Public and products liability
Addresses third-party injury and, importantly for food businesses, claims connected to what you serve, subject to the policy terms.
Property, glass, and equipment breakdown
Fit-out, contents, shopfront glass, and breakdown of refrigeration or cooking equipment are commonly reviewed together.
Stock spoilage and interruption
Refrigerated stock spoilage after a breakdown or outage, and loss of trading income during a closure, are frequent hospitality discussion points.
Common questions
Questions worth asking before you decide.
Use the first conversation to clarify documents, timing, fees where relevant, and the policy terms that need checking before advice, quote, renewal, or claims-support steps.
What insurance does a cafe or restaurant usually carry?
Typically a business pack combining public and products liability, property and contents, glass, and often stock spoilage and business interruption. What applies depends on the venue, the lease, eligibility, underwriting, and the policy wording.
Is refrigerated stock covered if a fridge fails?
Stock spoilage cover is generally intended for this, and is often linked to an equipment breakdown or power outage section. Conditions, waiting periods, and limits apply, so the wording is worth reading.
Does serving alcohol change the cover?
It can. Licensed premises, late trading, and entertainment usually affect insurer appetite and liability terms, so it is worth raising at the start rather than at renewal.
Our Partners
Next action
Talk to a broker about this cover question.
Call Shahid Mohammad, book a short review, or use the contact page about hospitality insurance questions. General information only; your options depend on the PDS, TMD, eligibility, underwriting, and policy terms.