RACV Business Insurance is there to protect your hospitality business

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.

  • Payment options

    Monthly and annual payment options available.

  • 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.

  • Theft cover

    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.

  • Glass breakage

    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.

  • Money cover

    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.

Terms, conditions, limits and exclusions apply. Read the Product Disclosure Statement for a detailed list of inclusions and options.

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.