Our tailored insurance solutions protect your staff, customers, and operations, ensuring financial stability while you focus on delivering outstanding experiences.
The hospitality industry is built on service, experience, and reputation and it operates in an environment full of physical, financial, and legal risks. Whether you run a restaurant, hotel, bar, café, or catering business, you face exposure to property damage, customer injury, equipment failure, and regulatory compliance.
At Angelic Insurance, we provide general advice to help hospitality businesses explore cover options such as public liability, property insurance, equipment breakdown, business interruption, and management liability. We compare policies from leading Australian insurers to help you find protection suited to your location, clientele, and operations.
From boutique accommodation providers to high-volume venues, we help ensure that your business stays covered, so you can continue to deliver great guest experiences without disruption.
Protect people, property, and cash flow
Identify and mitigate business risks
Professional guidance from experienced brokers
Meet legal and contractual requirements
Main Problems/Challenges Hospitality Industry Face and How We Can Help Solve Them
Hospitality businesses such as hotels, restaurants, cafes, and event venues face constant challenges related to customer experience, safety, and operations. From guest injuries and property damage to staff claims and food incidents, the right protection helps you focus on service while staying compliant and secure.
Slips, trips, or falls can occur in dining areas, lobbies, or event spaces. Even minor accidents can lead to compensation claims and affect your reputation.
We provide Public Liability cover options that help with legal defence and compensation costs if a guest is injured on your premises, protecting your business from financial loss.
A food handling mistake, equipment failure, or ingredient contamination can cause illness or allergic reactions among customers.
We offer Product Liability and Food Contamination cover options that help manage legal, medical, and replacement costs related to foodborne illness or contamination events.
Kitchens, bar areas, and accommodation facilities face high risks of fire, smoke, or water damage. These incidents can cause costly repairs and lost income.
Our Property and Business Interruption cover options assist with the cost of repairs and income loss during recovery, allowing your business to reopen quickly and safely.
Hospitality venues store valuable equipment, stock, and cash, which can make them targets for theft or vandalism.
We provide Theft and Property cover options to help replace stolen or damaged items, reducing downtime and maintaining your ability to serve guests.
Hospitality workers are often on their feet for long hours and handle hot, sharp, or heavy items, which increases the risk of injury.
We offer Workers Compensation and Management Liability cover options that help with medical, wage, and rehabilitation costs while keeping your workplace compliant with WHS laws.
Guests may lose or damage personal belongings while staying or dining at your venue, leading to complaints or claims for compensation.
Our Public Liability cover options assist with replacement or repair costs for guest property damage or loss, maintaining customer satisfaction and trust.
Refrigeration, cooking, or cleaning equipment failure can interrupt service and cause significant food spoilage and lost revenue.
We provide Equipment Breakdown cover options that help with repair or replacement costs for essential appliances, keeping your operations running smoothly.
Negative reviews, service complaints, or breaches of health and safety regulations can affect your business reputation and attract regulatory penalties.
Our Management Liability and Crisis Management cover options assist with legal defence, communication costs, and compliance support to help restore public confidence and ensure regulatory compliance.
Our proven six-step process ensures you get the right coverage at the right price
We review your care model, resident acuity, incidents and claims, compliance findings, staffing mix, and maintenance regimes.
We prepare accurate data and highlight risk improvements already in place.
We approach suitable Australian insurers and specialist agencies, negotiate wording improvements and sub limits, and target total cost of risk savings.
You receive a side by side comparison with premiums, deductibles, inclusions, exclusions, and recommendations.
We place cover, issue certificates, and brief your team on notification procedures.
We approach suitable Australian insurers and specialist agencies, negotiate wording improvements and sub limits, and target total cost of risk savings.
At Angelic Insurance, we prioritise clarity and honesty. Our communications avoid jargon and "fine print traps," giving clients peace of mind that they fully understand their coverage. This builds credibility, an essential differentiator in a crowded insurance market.
We map your operational risks to specific policy clauses, not just headings.
We benchmark limits and sub-limits against contracts and catastrophe scenarios.
We coordinate valuations, BI worksheets, and claims-readiness plans.
We explain what is and is not covered in clear language and document assumptions.
Hear From Families and Businesses Who Trust Angelic Insurance
Don't just take our word for it, hear from businesses and families. See what businesses and families say about working with us who've chosen Angelic Insurance and shared their own experiences about working with us.