Industries / Hospitality and food
Hospitality and food: the covers businesses usually need
Cafés, restaurants, caterers and takeaway businesses serve food to the public from premises, vans and event venues. Their exposures are the kitchen, the customers and the food.
What can go wrong
The exposures that drive claims in hospitality and food.
Fire and equipment
Kitchens carry a high fire risk. A breakdown of a cool room or oven can spoil stock and close the business for days.
Customers and food
A customer is injured on the premises or becomes ill from food served. These are public and products liability claims.
Closure
Damage to the premises, or to a nearby property that blocks access, stops trading. Business interruption covers lost income while the business cannot trade.
Catering away from the premises
Caterers work in venues they do not control and carry equipment and food between sites.
NoteMachinery breakdown and contaminated products cover are often added for food businesses. Ask the broker whether the business package includes them.
Covers the lookup lists
What the industry lookup lists for typical businesses in this industry.
These are the results of the Cuttleflow industry lookup (release exp-0.7.0) for the businesses below, before any questions are answered. Answers about staff, vehicles, premises, contracts and the state change the list. Covers the lookup lists only as “consider” are left out here. Every class on the Commons wordings is available on Cuttleflow Go; “On Cuttleflow Go” links to the class. A Marketplace class is also placed by brokers through the Cuttleflow Marketplace.
- Cafés · ANZSIC 4511 Cafes and Restaurants
- Restaurants · ANZSIC 4511 Cafes and Restaurants
- Caterers · ANZSIC 4513 Catering Services
- Takeaway food · ANZSIC 4512 Takeaway Food Services
| Cover | Lookup tier | Where it is written | Listed for | Why it is listed |
|---|---|---|---|---|
| Workers compensation | Must have Compulsory where it applies | Statutory scheme (depends on state) | All of these businesses | Employers must hold workers compensation cover in every state and territory, apart from limited wage-based exemptions. Depends on: how many employees does the business have, not counting owners. |
| General liability | Recommended | On Cuttleflow Go | All of these businesses | Almost every business deals with customers, visitors or other people's property, so it can be held liable for injury or damage. |
| Business package | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | Kitchens, fit-outs and stock are exposed to fire, which is common in food businesses. |
| Commercial motor | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | The business owns or leases fewer than ten vehicles used for work. Depends on: how many vehicles does the business own or lease for work; does the business own or lease vehicles used for work. |
| Motor fleet | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | Ten or more vehicles can be insured as a fleet, priced partly on the fleet's own claims record. Depends on: how many vehicles does the business own or lease for work. |
| Management liability | Recommended | On Cuttleflow Go · Marketplace class | All of these businesses | Claims against the company and its directors and managers, employment claims, some fines and penalties, and employee theft. |
Classes on the Commons wordings
Classes for this industry on Cuttleflow Go.
Brokers
Win clients in hospitality and food
Put the industry lookup and an indicative price on your own channels, and take leads from the public marketplace when it opens. Place every risk once, with every market in the class, on the same wording.
Underwriting agencies
Write this business on Cuttleflow Go
Your own rates and rules on the Commons wordings, quoted to your brokers from day one and to Marketplace brokers when the class opens.
General information. This page is not advice about any business and does not recommend any insurer or product. The lookup’s rules are a first draft and have not yet been reviewed by an underwriter or a lawyer. Check each cover against the circumstances and the policy wording, and check compulsory insurance with the regulator in the relevant state. Industry classes: Australian Bureau of Statistics, ANZSIC 2006 (cat. no. 1292.0), © Commonwealth of Australia. Professional occupations: APRA National Claims and Policies Database.
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