Retail & Hospitality Insurance
Insurance designed for Australian retailers, cafés, restaurants, salons, and customer-facing businesses. Whether you operate a storefront, a hospitality venue, or a service-based shop, we help you secure specialist cover for the real risks of public interaction, equipment reliance, stock exposure, and lease obligations.
Protect your business when accidents, equipment failures, or customer incidents occur
Retail and hospitality environments deal with constant foot traffic, stock exposure and equipment dependency. A customer slips on a wet floor. A fryer bursts into flames. A fridge fails overnight and stock spoils. A break-in damages your fitout. Staff are injured lifting heavy items. These incidents can shut your business down without the right protection.
Retail & Hospitality Insurance protects your business when things go wrong including customer injury, property damage, stock loss, equipment breakdown, business interruption and lease-related risk. Cover can respond to legal defence costs, property repair, stock replacement and lost revenue subject to policy terms.
Coverite Insurance supports retailers and hospitality operators across Australia. We review your lease requirements, equipment exposure, customer environment and risk profile to arrange cover that fits how your business operates not a generic SME package that leaves gaps.
Insurance for retail stores, cafés, restaurants and service-based businesses
We support retail and hospitality businesses of every size from single-store operators to multi-location businesses. Our programs reflect real-world exposures including customer injury, equipment failure, stock loss, and public liability claims.
Trusted Support When It Matters Most
Retail & hospitality claims can be disruptive. They often require contractor quotes, equipment assessments, stock lists, CCTV evidence, customer statements or lease documentation. Coverite supports you through every step coordinating with insurers, arranging assessments, advising on documentation, and ensuring your business receives fast and fair support.
Why clients choose us:
- Specialists who understand retail & hospitality risks
- Fast support during food spoilage, fire, theft or equipment breakdown
- Guidance on landlord, shopping centre & franchise requirements
- Clear communication with insurers and repairers
- A long-term partner committed to protecting your business
Real Feedback from Our Clients
“Excellent service! Michelle from Coverite Insurance Service and her team have gone above and beyond to help me with my insurance needs. Michelle has guided me through every step of the process to help find me the best coverage with the most cost effective premium. I feel confident knowing my insurance needs are being well looked after.”
The Easiest Way to Get the Right Cover.
Tell us about your store, equipment, staff and stock and we’ll search far and wide to find the right insurance program for your business.
We'll present and talk you through the options. You decide which suits you best.
We'll start your cover so your business is protected.
Key retail & hospitality cover we help arrange
Public Liability Insurance
Protection when a customer, supplier or member of the public suffers injury or property damage at your premises.
Includes cover for:
- Slips & falls
- Hot food/spill injuries
- Child or elderly customer incidents
- Damage to customer property
- Defence & legal costs
Required for leasing retail premises and operating any customer-facing venue.
Property, Contents & Stock Cover
Covers your physical fitout, contents, and stock against accidental damage.
Includes:
- Fitout, furniture, displays & POS equipment
- Refrigerated, fresh and packaged stock
- Damage from fire, storm, vandalism or water
- Break-ins, theft or malicious damage
Business Interruption (Loss of Income)
Protects your revenue if an insured event stops your business from operating.
May include:
- Fire, water or storm damage
- Equipment failure
- Major property incidents
- Temporary closures ordered by landlords or shopping centres