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Hospitality Insurance Articles

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
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
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
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
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

Insurance News

IAG CEO Predicts Ongoing Insurance Premium Rises
IAG CEO Predicts Ongoing Insurance Premium Rises
31 Jan 2026: Paige Estritori
Insurance Australia Group (IAG) has reported a significant 91% increase in net profit for the first half of the 2024-2025 financial year, reaching $778 million. Despite this profit surge, IAG's CEO, Nick Hawkins, has indicated that insurance premiums are expected to continue rising, though at a more moderate pace compared to previous years. ([abc.net.au](https://www.abc.net.au/news/2025-02-14/iag-ceo-nick-hawkins-warns-of-further-premium-increases/104931074?utm_source=openai)) - read more
Rising Insurance Costs Challenge Australian Hospitality Sector
Rising Insurance Costs Challenge Australian Hospitality Sector
31 Jan 2026: Paige Estritori
The Australian hospitality industry is currently facing significant challenges due to escalating insurance premiums. Business owners report substantial increases in their insurance costs, which are becoming one of the largest expenses alongside wages, rent, and the rising cost of goods. ([au.finance.yahoo.com](https://au.finance.yahoo.com/news/aussie-hotel-owner-reveals-insane-48000-cost-behind-alarming-small-businesses-trend-040048130.html?utm_source=openai)) - read more
ACT Businesses Confront Higher Insurance Premiums Compared to NSW
ACT Businesses Confront Higher Insurance Premiums Compared to NSW
31 Jan 2026: Paige Estritori
The Australian Capital Territory (ACT) Legislative Assembly has initiated an inquiry into the rising costs of insurance premiums within the territory, particularly focusing on the hospitality sector. Recent data indicates that businesses in the ACT are paying significantly higher insurance premiums compared to their counterparts in New South Wales (NSW). ([region.com.au](https://region.com.au/why-are-act-business-insurance-costs-much-higher-than-in-nsw-inquiry-to-seek-answers/841410/?utm_source=openai)) - read more
Australian Insurers Under Fire for Steep Premium Increases
Australian Insurers Under Fire for Steep Premium Increases
30 Jan 2026: Paige Estritori
In recent times, Australian insurance companies have come under intense scrutiny due to substantial increases in premiums, even as they report record profits. This trend has raised concerns among consumers and policymakers alike, prompting calls for enhanced transparency and competition within the industry. - read more
Rising Insurance Costs in Northern Australia Despite Reinsurance Efforts
Rising Insurance Costs in Northern Australia Despite Reinsurance Efforts
30 Jan 2026: Paige Estritori
Homeowners in Northern Australia are confronting significant increases in insurance premiums, even after the implementation of the federal government's cyclone reinsurance pool aimed at reducing costs in cyclone-prone regions. This development raises questions about the effectiveness of current measures and the ongoing challenges in making insurance affordable for residents in high-risk areas. - read more

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Proximate Cause:
The primary cause of loss in an insurance claim, which sets in motion a chain of events leading to the damage or injury.