Hotel Insurance Online :: Calculators
SHARE

Share this calculator!

Hotel 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.

Share this calculator:


Hotel Insurance Articles

Custom Insurance Solutions: Protecting Your Hotel from Unique Risks
Custom Insurance Solutions: Protecting Your Hotel from Unique Risks
The hospitality industry in Australia is a dynamic and ever-evolving sector, characterised by a diverse range of services and offerings. Hotels operate in a vibrant environment, catering to both local and international guests while constantly adapting to seasonal changes, economic shifts, and emerging trends. This dynamic nature introduces a variety of unique risks that need to be managed effectively. - read more
Disability Income Protection: What Every Hotel Operator Needs to Know
Disability Income Protection: What Every Hotel Operator Needs to Know
Running a café is a rewarding yet challenging endeavor. With the hospitality industry being fast-paced and ever-changing, café owners often face unique financial challenges. Operating in an industry that is both physically demanding and unpredictable can sometimes lead to unforeseen circumstances that affect the stability and success of your business. - read more
The Role of Training in Minimising Liability for Hotel Operators
The Role of Training in Minimising Liability for Hotel Operators
Operating a hotel is not just about offering great services and hospitality. It also involves understanding and managing various types of liability risks. Liability in the hospitality industry can arise from numerous situations, and being unaware of these can potentially expose hotel operators to significant legal issues and financial losses. - read more
A Cybersecurity Guide for Hotel Operators
A Cybersecurity Guide for Hotel Operators
With an ever-expanding digital landscape, the importance of robust cybersecurity measures in the hospitality industry cannot be overstated. As technology continues to evolve, so too do the threats that target the vulnerabilities within hotel systems. This has made cybersecurity a top priority for hotel operators. - read more
The Importance of Risk Assessment in Tailoring Your Hotel’s Insurance Coverage
The Importance of Risk Assessment in Tailoring Your Hotel’s Insurance Coverage
Risk assessment is a fundamental process in evaluating potential exposure to financial losses and liabilities in the hospitality industry. It involves identifying, analyzing, and evaluating risks that could impact hotel operations. By understanding these risks, hotel operators can tailor their insurance policies to provide comprehensive coverage and mitigate potential payouts. - read more

Insurance News

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
12 Feb 2026: Paige Estritori
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
Northern Australian Marinas Struggle with Rising Insurance Costs
Northern Australian Marinas Struggle with Rising Insurance Costs
12 Feb 2026: Paige Estritori
Marina operators in Northern Australia are confronting a significant crisis as insurance premiums escalate dramatically, with some experiencing increases exceeding 300% over recent years. This surge in costs is placing immense financial strain on the industry, prompting urgent calls for government intervention. - read more
GT Insurance Provides Flexible Solutions Amid Global Trade Shifts
GT Insurance Provides Flexible Solutions Amid Global Trade Shifts
12 Feb 2026: Paige Estritori
As global trade dynamics undergo significant shifts, GT Insurance is reaffirming its commitment to supporting marine clients navigating these challenges. The recent imposition of US tariffs—25% on Australian steel and aluminium, and 10% on other exported goods—has introduced new uncertainties for local exporters, particularly in sectors like beef and bulk freight. These tariffs, effective from April 5, 2025, have prompted concerns about declining export volumes and reduced freight margins. - read more
Business NSW Advocates for Urgent Insurance Reforms to Alleviate Rising Premiums
Business NSW Advocates for Urgent Insurance Reforms to Alleviate Rising Premiums
12 Feb 2026: Paige Estritori
Business NSW, the leading business advocacy group in New South Wales, has raised alarms over the escalating insurance premiums that are placing significant financial strain on businesses across the state. Recent findings from their Business Conditions Survey reveal that nearly 80% of businesses have encountered double-digit increases in insurance costs over the past year, with one in three reporting hikes of 30% or more. These surges starkly contrast with the annual inflation rate of 2. - read more
Click for more Insurance News

Your free hotel insurance quote comparison starts here!
First Name:
Postcode:

All quotes are provided free and without obligation by a Specialist from our National Broker referral panel. See our Privacy Statement for more details.


Knowledgebase
No-Fault Insurance:
A type of car insurance where your insurer pays for your damages regardless of who is at fault in an accident.

Quick Links: | Hotel Insurance Australia | Hotel Business Insurance | Hotel Public Liability Insurance | Hotel Contents Insurance | Hotel Stock Insurance | Hotel Commercial Vehicle Insurance | Hotel Income Protection Insurance | Hotel Proprietors Insurance | Hotel Insurance Coverage | Hotel Insurance Policy | Hotel Insurance Quotes
This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.
IMPORTANT: We do not provide financial product advice or credit assistance. We act solely as an introducer and refer enquiries to licensed third-party intermediaries, insurers, and lenders - with whom you can then deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.