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The Insurance Collective
Hospitality, Retail & Premises

Insurance for Hospitality

Cover for cafés, restaurants and bars - property, liability, stock spoilage and lost trade.

Request a quote 027 545 0908
Overview

Cover built around your work

Hospitality runs on thin margins and long hours, and a fire, flood or equipment failure can stop trade overnight. We arrange cover built for cafés, restaurants and bars - your fit-out and equipment, public liability, stock spoilage, and the income you lose while you're closed.

The risks you carry

What we help protect you against

  • Fire or water damage forcing a temporary closure
  • A customer injury or foodborne illness claim
  • Refrigerated stock spoiled by a breakdown or power cut
  • Expensive kitchen equipment out of action
  • Lost income and wages while you can't trade

Who it's for

Café, restaurant, bar and takeaway owners who need cover that understands how hospitality actually loses money.

The cover

Cover we typically arrange

Ryan & Ashley
Ryan & AshleyDirectors, The Insurance Collective

Talk to a real person

“When something goes wrong, you won't reach a call centre - you'll reach one of us, or one of our other brokers who already knows your cover. That's the whole point of doing this properly.”

Ryan & Ashley

Call the team on 027 545 0908

Frequently asked questions

Does hospitality insurance cover lost income if I have to close?
It can. Business interruption cover replaces the profit and wages you lose while you're unable to trade after an insured event - often the difference between reopening and not. We make sure the indemnity period reflects how long you'd really take to recover.
Do you charge for a quote?
No - quotes are free and there's no obligation. We're paid by the insurers we place cover with; our full fee disclosure is on the disclosures page.
What areas do you cover?
We're based in Hastings and look after clients right across Hawke's Bay and around New Zealand.
What happens if I need to claim?
You call us, not a call centre. We guide you through the process, check the paperwork, negotiate the wording and advocate for a fair outcome - that's the real value of having a broker in your corner.

Ready when you are

Get cover sorted for your hospitality

Tell us a little about what you do and we'll come back with tailored cover and straight-talking advice.

Request a quote027 545 0908

or Contact us

  • Free & no obligation
  • Insurance Advisernet member