Hospitality, Retail & Service Businesses
Protect your shopfront, daily revenue, and customer safety with an all-in-one Business Package built for Australian F&B, retail, and service venues.
Need an Urgent Certificate of Currency (CoC) Today? We prioritize worksite inductions, commercial leases, and tender deadlines with prompt same-day turnaround in most cases once cover is confirmed.
Operational Risks Facing Hospitality, Retail & Service Venues
Operating a restaurant, retail store, or beauty salon in Australia comes with constant foot traffic and physical risk exposures:
Slips, Trips & Customer Injuries
Slip-and-fall claims from wet floors, hot liquid spills, or shopfront hazards.
Property & Equipment Damage
Kitchen fires, water pipe bursts, or electrical faults damaging fit-outs, equipment, and stock.
Income Loss from Unplanned Closures
Forced temporary closures due to fire, storm, or equipment failure halting daily cash flow.
Stock & Food Spoilage
Loss of perishable ingredients or boutique inventory caused by refrigeration breakdowns or power outages.
Shopfront Glass Breakage
Accidental or malicious damage to display windows, glass counters, and mirrors.
Coverage Scope
Tailored Business Package Solutions
We structure your Business Package around four vital coverage pillars to keep your doors open and revenue secure:
Property Damage
Protects your venue fit-outs, commercial kitchens, specialized equipment, and inventory against fire, storm, water leaks, or vandalism.
Public & Product Liability
Safeguards against third-party personal injury or property damage claims arising from customer foot traffic or products sold.
Business Interruption
Replaces lost gross profit, pays ongoing operating costs (rent, staff wages), and covers temporary relocation if an insured event forces closure.
Commercial Glass
Covers internal and external shopfront glass, display cases, and mirrors against accidental breakage, including emergency board-up costs.
The Lesure Advantage
Why Choose Lesure for Your Enterprise?
Broker advice backed by the Steadfast network and decades of underwriting experience.
Custom Risk Profiling
We evaluate your venue layout, customer traffic, food preparation risks, and fit-out values to help reduce coverage gaps.
100% Transparency & Bilingual Support
Clear policy reviews in English or Vietnamese, with the key terms and exclusions explained before you buy.
Dedicated Claims Advocacy
When damage or injury claims occur, our brokers act as your advocate, help lodge the claim, and follow up with the insurer aiming for a fair outcome under your policy terms.
Access to 140+ Insurers
We benchmark Australia’s top commercial underwriters to secure comprehensive coverage at competitive premiums.
How It Works
How It Works
From first fact-find through to ongoing claims advocacy, we represent your interests.
Fact Find & Consultation
We review your venue space, lease requirements, equipment list, and trading revenue.
Risk Analysis & Custom Design
We structure a tailored Business Package covering Property Damage, Liability, Interruption, and Glass.
Market Search
We leverage our network of 140+ insurers to secure suitable terms.
Placement & Claims Advocacy
Once the insurer confirms cover, we issue your Certificate of Currency promptly (usually the same day) and support you with any claims.
Common Inquiries
Frequently Asked Questions
Protect Your Venue & Foot Traffic
Don't let customer accidents or venue damage disrupt your daily operations and cash flow.