Providing insurance coverage for the restaurant and hospitality industry throughout Australia.
Don’t let insurance be a headache for your hospitality business. Refined Insurance Brokers simplifies the process with our team of dedicated advisors who specialise in the industry. We will work with you to tailor a policy that meets your specific needs and provides the coverage you need to protect your business.
Hospitality Insurance
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Take control of your business's protection with the right insurance
Your business protection doesn't have to cost the earth.

The perfect coverage.

At our brokerage, we go above and beyond to provide a service that truly sets us apart. We understand the unique needs and challenges of insuring hospitality businesses. That’s why we make it our priority to ensure that your coverage is tailored to your specific needs and that your claim will be handled swiftly. With our dedicated hospitality insurance brokers, claims team and renewals team, you can rest easy knowing your business is protected, and you are getting the best cover and price year after year.
Hospitality Insurance Specialists

Committed Insurance Brokers

Don’t settle for less when it comes to insuring your hospitality business. Our dedicated insurance specialists are committed to finding you the best coverage at the most competitive premium on the market. With our in-depth knowledge of the hospitality insurance industry, we are able to provide you with a personalised service and tailored solutions that meet the unique needs of your business. Trust us to be your partner in protection, we are here to help.
Ways in which we assist with insuring your hospitality business include:

No matter what type of hospitality business you have, we’ve got you covered. From mobile food operators to restaurants, cafes, takeaways, pubs, nightclubs, food stalls, retail shops and more, we offer insurance solutions to meet the unique needs of your business.

Our team of experts can help you find the insurance coverage that’s right for your hospitality business. We offer a wide range of options including Public Liability, Plate Glass, Management Liability, Workers Compensation, Machinery Breakdown, Electronic Breakdown, Theft and Burglary, Professional Indemnity, Full Business Package, Money and more, so you can have peace of mind knowing your business is protected.

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Cover options

Here are some of the covers available within our Business Insurance product. You can mix and match to create a policy with the covers you’re looking for.

Public liability

For compensation claims if your business accidentally causes an injury or property damage and you’re found to be liable for it2.


Covers insured property like buildings, contents or stock, for damage from fire, storms and other covered causes2.


For certain accidental breakages of items like shopfront windows, glass shelving and display cabinets2.

Business interruption

Cover for certain loss (as detailed in your PDS), if your business is interrupted by specific types of damage2.


Covers insured property like business contents and stock from loss or damage due to theft2.


Cover for specified business cash, for loss caused by theft or accidental damage2.


Cover for sudden and unforeseen breakdown of your specified business machinery2.

Portable property

Covers insured property like tools and devices while they’re away from your business premises, against specific events like theft from a locked vehicle2.

Take control of your business's protection with the right insurance

3 steps to help protect your business


Get a quote online in minutes or through our Australian-based call centre


Build your policy and get the cover you need with no extra fees to pay by the month


Receive your Certificate of Insurance instantly so you can get straight back to business