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About RACV Business Insurance for hospitality
We know that when you are in the hospitality business you spend most of your time making sure everything is running smoothly. That’s why RACV Business Insurance allows hospitality businesses to choose the cover options they want.
Great flexible cover
So you can choose the insurance you want and don’t pay for insurance you don’t need.
No fuss approach
In most cases you can apply for a quote and cover with one phone call or online.
Monthly and annual payment options available.
Call 13 72 28 to make an enquiry or get a quote
Available Monday to Friday, 8:00am - 8:00pm
What can be covered
RACV Business Insurance - cover for hospitality businesses
Cover for restaurants, cafes, takeaways, coffee shops, delicatessens, tea rooms, catering businesses and more.
Can protect your buildings, contents and stock for a broad range of incidents
Including for some accidental damage, fire, storm, rainwater, explosion, burst pipes, vehicle and tree impacts, vandalism, malicious damage and damage by burglars.
Public liability cover to the amount you choose
Can cover your liability for personal injury and property damage for covered events.
Can cover your insured buildings, contents and stock up to the sum insured with one automatic reinstatement every year, subject to payment of the applicable premium.
Seasonal increase in cover for your insured stock
A 50% increase in stock cover for defined busy periods.
Your business vehicles can be covered
For accident, fire or theft, with up to $35 million in liability cover if they cause property damage or bodily injury to others, including damage caused by the goods falling from your vehicle or during unloading.
A hire vehicle following a covered fire or theft of your vehicle
Up to $3,000 in total for hiring a replacement vehicle of similar make and model or carrying capacity if you choose cover for Commercial Motor Vehicles.
If glass cover is taken out, it automatically includes cover to any sign writing or ornamentation affixed to broken external glass up to $7,500.
Laptops, mobile phones and computers
Option to include cover for physical loss, destruction or damage at your property (except by fire or specified perils), with the option to extend cover for their temporary removal to anywhere in Australia.
Available for money in transit, on premises and in a private residence. There is also a 50% seasonal increase 60 days before Christmas Day and 21 days following Christmas Day.
Business interruption and additional working costs following an incident
If a covered incident interrupts or interferes with your business, your loss of profit or additional working costs needed to maintain your business may be covered.
Your health is your business’s most important asset
So you can add cover for personal accident and illness - lump sum benefits for covered injuries or illnesses or up to 104 weeks of weekly benefits while unable to do the normal duties of your job due to injury or illness.
Coffee machines, air conditioners and other machinery
You can include cover for your machinery for sudden and unforeseen breakdown, and also for the hire of temporary machines while yours are being repaired.
Tax audit costs
Cover for professional fees incurred as a result of a tax audit or investigation, subject to meeting the requirements of the PDS, can be included.
The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. As distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Insurance product(s) issued by Insurance Australia Ltd, ABN 11 000 016 722, AFS Licence No. 227681.