Insurance created with your business in mind

From the kitchen to the dining table, the challenges of running a Food and Beverage business are unique. And so are the risks. When life serves up the unexpected, you require insurance that can address your specialised needs and protect your business, your staff and your customers.

Finally, an affordable yet comprehensive policy designed specifically for businesses providing Food and Beverage Services including Restaurants, Cafes, Caterers and Takeaway Outlets has been launched providing a wide range of cover for loss, damage or business interruption for unpredictable circumstances such as fire, theft, breakdown of equipment, or even food contamination.

What is innovative about this product?

Horsell’s Hospitality Insurance Policy merges four key policies (property, business interruption, public and products liability and management liability) together to provide you with one of the most comprehensive policies available.

You also instantly obtain five additional benefits (theft, money, glass, employee dishonesty and machinery breakdown) at no extra cost – its not often you get something for nothing.

Finally, this policy provides full accidental damage cover, business interruption cover following equipment breakdown losses, loss of profits extension for murder, suicide and public utilities damage, prevention of access and health closure.

About Horsell Commercial Risks

Horsell Commercial Risks is one of Australia’s largest risk management and insurance broking intermediaries providing risk financing, insurance, risk management and claims management solutions.

As a member of the Wells Fargo Global Broker Network, we have the capacity to provide excellent local service delivery through more than 10,000 team members, operating from 330 offices across 70 countries with the capability and resources to provide insurance brokerage services in 115 countries around the world.

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You are automatically covered for:

  • Full Accidental Damage cover
  • Full Equipment Breakdown cover
  • Deterioration of Stock - $10,000
  • Burglary/Theft cover - $20,000
  • Money cover - $20,000
  • Glass – Replacement Value
  • Employee Dishonesty - $10,000
  • Transit cover - $50,000
  • Business Interruption (on gross revenue)
  • Seasonal Stock Increase
  • Equipment Breakdown Business Interruption - $250,000
  • Claims Preparation Costs - $50,000
  • Health Closure
  • Public & Products Liability up to $20,000,000
  • Management Liability - $250,000 (Option)