Hotel and pub insurance

As New Zealand’s leading insurance provider to the food, beverage and hospitality industry, we understand the unique insurance challenges of running a food service business – the risks of stock and material losses, dangers of injury and liability claims.

Who needs hotel and pub insurance?

We understand that there’s no such thing as a typical hotel or pub. So, we have put together SafeHANDS, a cost-effective insurance package with enhanced features to cover the specific risks faced by hotels and pubs that serve food. Our SafeHANDS insurance package is ideal for businesses such as:

• Pubs
• Hotels
• Resorts
• Taverns
• Bars

We also provide an insurance solution for restaurants and cafes. It is essential that any business operating in the hospitality industry is appropriately covered to protect your livelihood if something doesn’t’ go to plan.

What hotel and pub insurance covers

The scheme covers three main areas of risk cover:

• Material damage: cover for plant, machinery, leasehold improvements, stock and all other contents of the business against accidental loss or damage, e.g. losses due to fire, earthquake, burglary, etc.
• Business interruption: This covers loss of profit due to reduction in turnover following a risk event.
• Liability: this package includes public liability, statutory liability, employer’s liability and legal defence. With this, we also offer consequential loss cover that is unique in the industry. We would make sure there was sufficient coverage so that staff could be retained and that fixed operational expenses and other ongoing obligations could be met.

Help with hotel and pub insurance

In the hospitality industry, your business relies on constantly providing high levels of service; we know that you expect this same level of service from your insurance broker.

We work with you to full understand your business, and tailor a cost-effective insurance package that covers the risks faced by you and your restaurant or café. When It comes to claims time we are your advocates. We regularly review your cover levels with you to ensure you’re protected as your business grows or changes. Contact us today.