Insurance for hospitality
Whether you own a café or a food truck, our customisable Small Business Insurance gives you peace of mind against common concerns, such as the interruption of your business, a wide range of liabilities like employee or customer injuries, and the loss of essential equipment and stock.
Speak to a Small Business Insurance consultant now.
Recommended for hospitality
Whether your vehicles are on-road, off-road, on wheels or tracks, if you use vehicles for any part of your business then accidents, damage or theft can halt your business in its tracks.
Cover includes:
Legal liability - if your vehicle accidentally damages someone else’s car or property, we’ll pay up to $20 million if you’re legally liable for the costs.
Road clearing and load recovery costs - if you have an accident and your vehicle, including the load it’s carrying, is damaged, we will pay up to $20,000 towards transferring the load to another vehicle and removing it to the nearest place of safety, cleaning up debris and spillage on the road, and recovering any lost or fallen load.
Rental cover after theft - if your vehicle is stolen and not recovered, we will pay up to $150 per day up to a total of $3,000 so that you are able to hire a similar replacement vehicle.
Excess-free glass cover - when you choose our comprehensive policy, you will get excess-free glass cover. This means you won’t have to pay an excess if your claim is only for accidental damage to your windscreen or windows.
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Optional extras:
Rental cover after an accident
With our standard comprehensive commercial vehicle cover, you can add cover for hire of a substitute vehicle, if your vehicle has been damaged. We will pay $150 per day up to a total of $3,000.
Depending on where you run your business from, Portable Contents and Stock Insurance will cover damage to your mobile businesses equipment and stock that you carry around with you.
Cover includes:
Money - we will cover the physical loss of your business money resulting from theft where there has been violence or threat of violence towards you. If there is a physical loss of your business money from your business premises, your home or when you’re in transit, you’ll be covered up to the policy limit.
Theft - we will cover items forcibly taken from locked vehicles. We will cover up to $25,000 for any one event. The theft excess shown on your policy schedule will apply.
Cell phone, tablet or laptop impact excess - we will reduce your excess to $250 if your cell phone, tablet or laptop is damaged by accidental impact while it is protected by a reputable shock and drop-proof case.
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Optional extras:
Natural disaster
You can choose to extend your cover to include damage to your business contents and stock and your portable contents and stock caused by natural disaster.
We also offer Business Contents and Stock Insurance to cover businesses that operate from a fixed location, like a cafe.
Accidents can happen anytime on site. Our Public and Products Liability Insurance offers protection for your legal liability if you accidentally damage someone else's property or someone is injured due to your business activities.
Cover includes:
Lost keys and access control devices - we will pay for your legal liability if keys or access control devices that are under your care for business purposes are lost. We’ll also cover you if alterations to locks at your customer’s address are required due to a claim. A $1,000 excess will apply to these types of claims.
Compensation for court appearance - if you are required to attend court as a witness in connection with a claim under your Public and Products Liability policy, we will pay you $250 per day up to a total of $7,500.
Tenant’s liability – we will pay for your legal liability for damages to your business premises that you lease or rent and do not own.
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Optional extras:
Defective workmanship
With our Public and Products Liability Insurance, you can add cover for defective workmanship up to $500,000. This provides cover if you are found legally liable to pay compensation for accidental damage to the property you have been directly working on. A $1,000 excess will apply to any claim for defective workmanship.
Policy Document
This page is only a summary of key benefits, and application for cover is subject to underwriting acceptance. For full details, exclusions and limitations, please read the policy document.
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Why Choose AA Small Business Insurance ?
Individuality
Every business has unique needs and risks; what works for one may be a bad fit for another. AA Small Business Insurance lets you find your insurance sweet spot.
Transparency
We believe you have the right to know everything about your own cover. That’s why we’re upfront, honest, and won’t try to sell you a policy you don’t need.
Flexibility
Our packages change to fit your business — not the other way around. Customise your policy and update it as your needs change.