As summer sizzles, can your public liability insurance stand the heat?

With the hospitality industry bearing the brunt of cost of living pressures throughout 2023, many hospitality business owners are licking their lips in anticipation for the upcoming summer trading season.

Regardless of whether you run a café, a pub, a five-star restaurant that seats 200, or the best little hole in the wall fish and chip takeaway shop in town, you know well that running a hospitality business comes with risks.

However, your hospitality business may be exposed to even greater risks during peak season when there will likely be more customers visiting your venue.

Summer often also brings extended trading hours as an influx of patrons enjoy liquid brunches, salubrious long lunches, and lounge in your café or restaurant watching the world go by. This can mean that hospitality business owners may face increased risks during summer.

When was the last time you reviewed your public liability* cover?

As you lick your lips in anticipation for the peak summer trading season, spring can be a great time for taking a closer look at your public liability insurance*. It’s a great time to review and make sure your cover is still current. Your insurance may need reviewing and updating to any new or changed business activities and risks that come with the busiest trading period of the year.

Whether you are serving the best fusion dishes or the best desserts in town, public liability insurance can be crucial for hospitality business owners of all shapes and sizes. However, taking a ‘set and forget’ approach to your cover may come back to haunt you If you ever face an insurance claim.

There will be more people visiting your business during summer and this may increase the chances of accidents or injuries to customers and suppliers, or damage to their property.

Circumstances in your business activities can change often, and when they do your public liability insurance may also need to change to ensure you maintain adequate level of coverage.

Your public liability insurance can take some of the sting out of claims against your business in the event of:

  • Personal injury suffered by a customer, supplier, or member of the public;
  • Damage to property owned by a third party due to your negligent business activities; and
  • Legal and defence costs associated with an insured event.

Make business insurance easy with BizCover

BizCover makes reviewing or renewing your public liability insurance fast, cost-effective, and super easy. Compare multiple insurance quotes online and get covered in minutes from selected leading Australian insurers. To review or renew your public liability insurance visit

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*This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. © 2023 BizCover Pty Limited, all rights reserved. ABN 68 127 707 975; AFSL 501769.