Insurance for Hospitality
Prepare for the unexpected with business insurance. Find cover for cafes, restaurants, food trucks and more!
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From multiple insurers
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Save Money
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Instant Cover
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On this page:
What is hospitality insurance?
Business insurance helps hospitality pros like you protect their growing businesses. Depending on the cover you choose, it could help you manage costs like replacing damaged stock, customer injuries, and legal expenses.
No two days are the same for a busy hospitality business! But some risks you hope never happen—like slip and fall accidents, unplanned trading interruptions, or a break-in.
Situations like these, and plenty of others could serve up expensive bills for your business. If paying them out of pocket is a concern, it may be time to consider business insurance.
Why might hospo businesses need insurance?
You may be required to have business insurance to do things like:
Lease café or restaurant space.
Work events.
Replace damaged stock.
Pay legal costs if you face a claim.
Types of hospitality businesses we cover
BizCover has a buffet of hospo business insurance options.
If you don’t see a match below, it doesn’t mean we can’t cover you.
Cafes & Restaurants
Serves food and drink that is cooked and prepared on the premises.
Prepares, delivers, and serves food at special events.
Prepares, cooks, and sells food that will be eaten outside the premises.
Prepares, cooks, and sells food or drink from a mobile truck or van.
Coffee Shops
Prepares, sells, and serves coffee, tea, and light snacks.
Hotel & Motel Operators
Offers short-term, overnight lodging to guests, tourists, or motorists.
Offers overnight lodging and breakfast to guests from a private residence.
What does your business do?
Search your occupation, compare cover, and buy online in minutes.
Save time & money by buying online in minutes.
Types of cover we offer hospo businesses
Unsure what types of business insurance to get? We’ve got you! Here’s what other hospitality businesses tend to choose:
Popular cover types for retailers:
Hospitality could also consider:
Other Covers
Statutory Liability
Statutory Liability Insurance
Covers you for an unintentional breach of key NZ business legislation, including:
- Legal and defence costs
- Fines and penalties
Business Interruption
Business Interruption Insurance
Covers loss of income or increase in operation costs when your biz is impacted by events like:
- Property damage
- Fire
- Storm damage
Employers Liability
Employers Liability Insurance
Covers you against claims related to employee workplace injuries (when not covered by ACC) including costs such as:
- Legal and defence
- Compensation costs
How much does hospo business insurance cost?
Your tradie business is unique. That means you might face different risks than the tradie down the street and may pay a different price for your cover.
With BizCover, insurance can be tailored to fit the size, risks, and needs of your business.
The prices are real, get that new policy feel
Public Liability
$27.58/mo*
Expected average cost
Contents (Property)
$53.03/mo*
Expected average cost
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only.
It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Public Liability
$27.58/mo*
Expected average cost small businesses to pay
Contents (Property)
$53.03/mo*
Expected average cost small businesses to pay
Factors influencing cost
Your Industry
Required Coverage
Your Turnover
Number of Emplyees
Claims History
Click here to check industry wise average prices
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
You can select from 5 different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today.
Select Profession
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Add Business Details
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Get Covered Online
Search your
Occupation
Choose your
Cover(s)
Enter Business
Details
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Get Covered
Today
How it works – making a claim
We’ll assist you through the claims process & manage your claim directly with the insurer.
Let us know Fill out our claims form and provide info to support the claim
Receive extra support We will assist you with your claim
Claim results We will notify you of the claim outcome.
Let us know Fill out our claims form and provide info to spport the claim
Receive extra support We will assist you with your claim
Claims results We will notify you of the claim outcome
Our Insurers
We work with a selected group of trusted NZ insurers to offer you great cover.
The savings are real
See how much others have saved while purchasing policy through Bizcover
Martin
Gardener from
Christchurch
Saved
$2,000
on
Public Liability, Statutory Liability
& Employers Liability
Vicki
Management Consultant
from Napier
Saved
$1,500
on
Professional Indemnity &
Public Liability
Ian
Plumber from
Picton
Saved
$600
on
Public Liability&
Statutory Liability
Yvonne
Councellor from
Rotorua
Saved
$100
on
Public Liability &
Professional Indemnity
^ Savings made from January 2023 to July 2024. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
What sets BizCover apart?
We are not just a comparison and buy site.
Make Claims Online
We’ll manage the process on your behalf with the insurers.
Flexi Payment Options
Pay monthly or annually, cancel at any time.
One Stop Shop
Manage multiple cover types in one place.
Easy Renewals
Optional automatic renewal to stay protected.
Hear from our customers
Real-life customer reviews verified by Feefo
Efficient
Trusted Customer
Efficient and great price
Quoted and bought insurance online, very quick and a great price.
Definitely worth
Burnett B
BizCover is definitely worth their word. Quick easy understandable cover
Straight forward
Trusted Customer
It is very straight forward and easy to understand and you can choose whatever you need for your business.
Easy to choose
Pavan K
Easy to choose business insurance. The search and the options provided were very simple and straight forward, didn’t expect it to be that easy.
Fast, friendly and efficient
Kylie T
The customer service agent was excellent. He explained to me clearly all the questions I had. Can’t be beat on price for the policy I needed and I was contacted within half an hour of my enquiry. Policy was confirmed on the phone. Excellent.
