Hospitality - full list of risks

Fire & Perils	Assistance to replace your building, business' stock and furniture after a fire, storm or malicious damage. » Find out more
Public and Products Liability	Whenever a person operates a business they have the potential to injure other people or damage other peoples’ property » Find out more
Business Interruption	Many businesses fail to recover from a ‎major event such as fire, storm or earthquake as overheads (such as wages and rent) continue even though the business may be unable to trade » Find out more
Machinery Breakdown	Many businesses can suffer due to damage or breakdown of electrical, electronic and ‎mechanical machinery, such as refrigerators, air conditioners, cash registers, microwave ovens, and coffee machines » Find out more
Workers Compensation	You and/or your company may be liable if you do not provide safe working conditions for your employees » Find out more
Business Vehicle	Having your vehicle off the road can cause a lot of inconvenience and disruption to your work » Find out more

Optional Cover

General Property Cover	If your equipment is accidentally damaged, we can help to have it replaced quickly so that your business is not interrupted » Find out more
Personal Accident and Sickness	If you or an employee becomes ill or has an accident, this cover will help to reduce the impact on your business. » Find out more
Transit	Property and goods can easily be damaged whilst in transit within Australia. » Find out more
Theft	The theft of business contents and/or stock can impact on your customer service, and the day-to-day running of your business » Find out more
Employee Dishonesty	Protects you against dishonest employee conduct that could cause an unexpected and costly loss to your business. » Find out more
Glass	Cover for breakage of fixed glass, including replacement and/or temporary security required to protect the premises » Find out more