Insurance advice for Tasmanian tourism and hospitality businesses.
Tourism and Hospitality Insurance Built For Tasmania
Protect your venue, guests, staff and seasonal income with insurance designed around how your business actually runs. Local Tasmanian advice, backed by the national McLardy McShane network.
- Local brokers working with tourism businesses across Tasmania
- Access to major Australian insurers and specialist hospitality markets
- We deal with insurers so you can focus on your guests
Insurance for real Tasmanian tourism operators
Cafes and restaurants
Pubs, bars and function venues
Wineries, cellar doors and distilleries
Hotels, motels and B&Bs
Holiday rentals and short stays
Tour and adventure operators
Boat and marine tours
Caravan parks, cabins and glamping
Food producers and farm gates
Common issues we find when reviewing tourism and hospitality insurance
Many tourism and hospitality businesses have grown faster than their insurance. New activities, extra venues and seasonal staff get added, but the policy stays the same. When we review these programs, some patterns appear again and again.
Activities not disclosed
Tours, tastings, events or equipment hire added since the policy started, leaving liability claims open to dispute.
Business interruption too short
Indemnity periods that would not cover a lost peak season after a fire, flood or long rebuild.
Stock and spoilage left out
Food, wine and refrigerated stock lost through power failure or breakdown excluded or not selected.
Short stay properties on the wrong policy
Holiday rentals and Airbnb listings insured under a home or landlord policy that excludes paying guests.
Seasonal staff not declared correctly
Wages estimated low for workers compensation, leading to a large adjustment at the end of the year.
Key covers for Tasmanian tourism and hospitality
Property and fit out
Your building if you own it, plus kitchen fit out, furniture, signage, glass and general contents.
Public and products liability
Protection if a guest or customer is injured, falls ill from food or drink, or property is damaged.
Equipment breakdown
Coffee machines, cool rooms, ovens, refrigeration and electronic equipment, including breakdown cover.
Stock and spoilage
Food, beverages and wine stock, including spoilage after power failure or refrigeration breakdown.
Cyber liability
Response costs and lost income if your booking system, POS or guest data is compromised.
Business interruption
Loss of income and increased costs after an insured event, set to protect your peak trading months.
Management liability
Cover for the business and its directors for employment disputes, regulatory investigations and fraud.
Vehicles and vessels
Tour buses, shuttles, hire vehicles and tour boats, including marine liability where needed.
Short stay and accommodation
Cover for holiday rentals, B&Bs, cabins and glamping, including guest liability and loss of rent.
Workers compensation
Mandatory for employees, including casual and seasonal staff. We help you declare wages accurately.
Public liability: the biggest exposure for tourism operators
Activities matched to the wording
We list every activity you run so cover responds to how you operate, not just what was on the original proposal.
Accurate risk profiling
We present your safety procedures, waivers and staff training to insurers so you get fair pricing and appropriate cover.
Claims support
Active support from us when a guest is injured or a claim is made, from first notice through to settlement.
Peak season leaves no time for paperwork. We make sure your cover keeps up with your business so you can focus on your guests.
Simple three step process for your business
We make insurance straightforward for busy owners and managers, from the first review through to renewals and claims.
1
Business review and fact find
We start with a short call and, where practical, a visit to your venue or operation. We look at your premises, activities, vehicles, staff and seasonal income so we understand your full risk picture.2
Market approach and options
We go to appropriate insurers and underwriting agencies through the McLardy McShane network. You receive clear options that show sums insured, key inclusions and exclusions, excesses and pricing.3
Ongoing support and claims help
We stay in touch on renewals, changes and claims. When something goes wrong, you call us first. We help lodge and manage the claim and keep you updated.Local relationship, national strength
McLardy McShane Tasmania is your local brokerage partner in Hobart, backed by a national group that places hundreds of millions in premium with Australian insurers each year. That scale helps with market access and pricing, while you still deal with a local broker who understands Tasmanian tourism and hospitality.
- Local broker based in Sandy Bay, working with businesses across Tasmania
- Access to major Australian insurers and specialist hospitality markets
- Help with claims and renewals so you are not dealing with call centres
Tourism and hospitality insurance FAQs
Only if they were disclosed and the wording includes them. Tours, tastings, equipment hire and adventure activities often need to be specifically listed. We check every activity against your policy.
Usually not. Most home and standard landlord policies exclude or limit short term paying guests. Short stay properties need a policy designed for that use.
Yes. Workers compensation covers all employees, including casuals and seasonal workers. Declaring wages accurately at the start avoids a large adjustment later.
Yes. In many cases we can act as your broker with your current insurer and improve the structure and service, rather than changing insurers straight away.
Long enough to rebuild and get back to normal trading, including a full peak season. For many tourism businesses that means 12 months or more. We help you work out the right period.
Products liability generally responds to illness caused by food or drink you supply, subject to the policy terms. We check the limits and any exclusions with you.
Usually your current policy schedules, a description of your activities, turnover and wages, building and contents values, and details of any vehicles or vessels. We can step through this with you on a call.
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McLardy McShane Tasmania
General advice only. Before acting on this information you should consider whether it is appropriate to your objectives, financial situation and needs, and read any relevant Product Disclosure Statement.
