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Hospitality Insurance Online Hospitality Insurance Calculator

Estimate your hospitality business insurance needs with our Hospitality Insurance Calculator. Calculate the right levels of cover to protect your hospitality business and your financial livelihood.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.

Hospitality Insurance – Sum & Limit Calculator

For restaurants, cafés and bars. Work through the steps to total your property replacement values, estimate Business Interruption (BI), and get suggested limits for Deterioration of Stock and Public Liability. This is a planning tool only – not a quote or personal advice.

Step 1 of 7

1) Venue details

A few basics to tailor suggestions and set GST display mode.

Optional, but helps the PL suggestion for higher crowd exposure.
Most venues claim input tax credits → ex‑GST sums.
If there’s a financier/lessor, your broker may need this for policy notes.
Next: add your fit‑out replacement values.

2) Fit‑out & furniture

Booths, counters/bar, flooring, lighting, décor. Enter replacement values.

3) Kitchen & cooking equipment

Ovens, ranges, fryers, grills, dishwashers, rangehood/canopy, fire/suppression (ANSUL).

4) Refrigeration & coolrooms

Coolrooms, freezers, under‑bench fridges, display fridges, glycol/ice machines.

5) Electronics, POS & security

POS terminals, tablets, servers, Wi‑Fi/networking, CCTV/DVR, music systems.

6) Outdoor, signage & stock

Outdoor furniture/awnings/heaters, fixed signage/glass, and stock totals.

Alfresco awnings, heaters, outdoor furniture, umbrellas, fixed signage, glass.

7) BI, limits & results

Add turnover/margin to estimate BI, then calculate recommended sums & suggested limits.

As defined in your BI wording: usually turnover minus uninsured working expenses.
Additional Increase in Cost of Working buffer.
Optional ceiling. Leave at 50% if unsure.
Use “Cautious” if you’re uncertain or want a buffer.
When you’re ready, calculate recommended sums & suggested limits.

Heads‑up: Liability, Machinery Breakdown, Glass and Flood terms vary by insurer. This tool totals user‑entered values and uses heuristics for BI, Deterioration and PL limits. It isn’t a quote or advice.

Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

How to use our Hospitality Insurance Calculator

Our Hospitality Insurance Calculator helps Australian hospitality operators estimate insurance sums and limits that may suit a café, restaurant, bar, takeaway or bakery. It brings together your replacement costs for property, a Business Interruption (BI) estimate, and suggested limits for deterioration of stock and public liability. Using it is important because underinsurance can leave you short after a fire, storm, theft or equipment failure, while overestimating may increase premiums without adding meaningful protection.

How to complete the form for the best result

1. Venue details: Select your venue type and add an approximate seating capacity. Choose your GST treatment carefully, as it affects whether your totals are shown ex GST or incl GST. Add financier details if a lender or lease requires noting an interested party.

2. Fit-out and furniture: Use the add button to list major fit-out and front-of-house items (joinery, counters, tables, chairs). Enter realistic new replacement values, including delivery, installation and trades.

3. Kitchen and cooking equipment: Add ovens, ranges, fryers, grills, dishwashers, canopy and fire suppression. Use like-for-like replacement costs, not depreciated book values.

4. Refrigeration and coolrooms: Add coolrooms, freezers and display fridges. Include specialised installation and commissioning where relevant.

5. Electronics, POS and security, plus outdoor and signage: Include POS terminals, networking, CCTV, awnings, heaters, umbrellas and fixed signage.

6. Stock and consumables: Enter peak values for dry, chilled, frozen and beverage or alcohol stock to avoid shortfalls during busy periods.

7. Business Interruption: Add annual turnover, gross profit margin, indemnity period, AICOW uplift, peak season factor, and optional rent. Choose an indemnity period that reflects realistic rebuild and reopening timeframes.

8. Deterioration of stock and public liability: Select your backup or monitoring level and any cap, then choose any contractually required liability limit and your preferred risk bias.

How to interpret the results

Use the outputs as a starting point to compare against your current policy schedule, lease and lender requirements. If results feel off, revisit replacement values, seasonal stock peaks, gross profit margin and indemnity period assumptions. The calculator provides general information only, not personal advice or a quote. Consider your objectives and financial situation and consult a licensed insurance adviser or broker before deciding on cover.

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Hospitality Insurance Articles

Essential Insurance Types Every Cafe Owner Should Consider
Essential Insurance Types Every Cafe Owner Should Consider
Running a cafe is more than just serving delightful coffee and snacks; it's about creating an experience and ensuring that experience is safeguarded. While the hospitality industry can be incredibly rewarding, it's not without its risks. This is where the importance of insurance comes into play, acting as a crucial safety net for cafe owners. - read more
What Hospitality Business Owners Need to Know About Income Protection Insurance
What Hospitality Business Owners Need to Know About Income Protection Insurance
The Australian hospitality industry is renowned for its vibrancy, yet it also faces significant challenges. With fluctuating demand, seasonal changes, and unpredictable external factors such as economic downturns and pandemics, hospitality businesses often operate in a high-risk environment. For hotel operators, the stakes are even higher due to substantial investments in property, staff, and customer service. - read more
Why Tailored Insurance is Essential for Your Hospitality Business
Why Tailored Insurance is Essential for Your Hospitality Business
In the bustling world of hospitality, the right insurance can make all the difference for your business. Tailored insurance, as the name suggests, involves customising your insurance policy to meet the specific needs and risks associated with your industry. This personalised approach ensures that you are not overpaying for unnecessary coverage while also safeguarding your business against potential threats. - read more
Tips for Finding the Best Hospitality Insurance Coverage
Tips for Finding the Best Hospitality Insurance Coverage
Tailored insurance is a type of insurance policy that's specifically designed to meet the unique needs of a particular business or industry. Unlike one-size-fits-all policies, tailored insurance provides a more customized approach, ensuring that the coverage fits the specific risks and requirements of the business. - read more
Understanding Hospitality Insurance: Considerations for Aussie Business Owners
Understanding Hospitality Insurance: Considerations for Aussie Business Owners
Hospitality insurance is a crucial component for businesses within the hospitality sector, offering coverage for a range of incidents that could potentially derail operations. It's designed to protect establishments like hotels, restaurants, and event venues from various risks such as liability claims, property damage, and interruption of services. - read more

Insurance News

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13 Feb 2026: Paige Estritori
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NHVR's Revised Master Code: Broader Safety Guidelines for Heavy Vehicle Users
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The National Heavy Vehicle Regulator (NHVR) has recently updated its Master Code of Practice, marking the first revision since its initial release in 2018. This comprehensive update extends its reach beyond traditional road transport businesses to encompass a wider array of industries that utilise heavy vehicles, including manufacturing, construction, mining, retail, and logistics. - read more
AFCA Upholds Policyholder's Income Protection Benefits Against Zurich
AFCA Upholds Policyholder's Income Protection Benefits Against Zurich
12 Feb 2026: Paige Estritori
The Australian Financial Complaints Authority (AFCA) has recently ruled against Zurich Insurance, instructing the insurer to maintain the current income protection benefits for a policyholder after an 11-year delay in proposing a reduction. This decision underscores the critical importance of timely and transparent communication between insurers and their clients. - read more
Neos Recognized as Leading Income Protection Insurer in 2025
Neos Recognized as Leading Income Protection Insurer in 2025
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In the 2025 Life Insurance Awards presented by Money Magazine, Neos has been honored as the top provider in the Income Protection Insurance category. This accolade reflects Neos's commitment to delivering comprehensive and reliable income protection solutions to Australians. - read more
Click for more Insurance News

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Knowledgebase
Public Liability Insurance:
A very broad term for insurance covering liability exposures for individuals and business owners. It provides broad coverage, generally including all exposures for property damage and bodily injury.

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