Melbourne hospitality insurance

Why Melbourne’s Hospitality Businesses Choose Delmont Insurance Group

Running a hospitality business is demanding. Long hours, constant risk, cost pressures, and the need to create a consistent customer experience — all while keeping your business compliant and protected. At Delmont Insurance Group, we understand those challenges — because we specialise in supporting businesses like yours.

Here’s what sets us apart — and why more Melbourne hospitality businesses are choosing Delmont:

• Industry Focus – We specialise in hospitality insurance. That means we understand the operational, legal, and safety risks unique to licensed venues — from late trading and kitchen fire risks to patron liability and entertainment exposure.
• Site Visits – We don’t just quote from a spreadsheet. We visit your premises, walk through your operations, and assess your risks firsthand. This allows us to present your business accurately to insurers — a key factor in securing better pricing and more tailored cover.
• Strategic Risk Framing – We don’t just pass on quotes. We professionally reframe and position your risk to the insurance market in a way that reflects the strengths of your business. Insurers respond better when they understand your operations — and we make sure they do.
• Access to Specialist Insurers – We work with a trusted panel of hospitality-focused insurers who understand your industry and can tailor policies to your specific needs — including cover for stock, cash, equipment, gaming machines, and business interruption in high-turnover environments.
• Advisor Collaboration – We work closely with accountants, finance brokers, venue consultants, and legal professionals to deliver a fully integrated service. If you’re already working with trusted advisers, we collaborate seamlessly to support your business from every angle.
• Client Advocacy – We act exclusively on your behalf — not the insurer’s. Whether it’s structuring your initial programme, negotiating your renewal, or managing a complex claim, our job is to protect your interests and take the pressure off your plate.
• We Make It Easy – Insurance can be complex and time-consuming — but we make it simple. We do the heavy lifting — managing paperwork, market submissions, and insurer negotiations — so you can stay focused on running your business with confidence.
• We’re With You All Year – Our support doesn’t stop at policy issue. We stay in touch, adapt your cover as your business evolves, and offer fast, practical advice whenever you need it. And if there’s a claim, you’ll have a responsive, knowledgeable team right behind you.

Public Liability Insurance for Melbourne Pubs, Bars, Nightclubs & Live Music Venues

At Delmont Insurance Group, we specialise in arranging public liability insurance for bars, pubs and nightclubs in Melbourne, ensuring you’re covered when it matters most.

What is Public Liability Insurance?

Public Liability Insurance protects your business if someone is injured or their property is damaged as a result of your operations. Claims may arise from slips and falls, crowd-related incidents, or accidents on your premises — even when you’ve taken every precaution to maintain a safe environment.

Whether you’re found liable or not, you may still be responsible for significant legal costs. These include fees for your own legal defence, as well as the claimant’s legal expenses and potential compensation. Without proper cover, these costs can pose a serious financial threat to your business.

Why it Matters for Melbourne Venues

In Melbourne’s vibrant hospitality scene, venues are often high-traffic, late-night environments where the risk of accidents is naturally higher. Having tailored public liability insurance for nightclubs, pubs and bars helps safeguard your business, staff, and patrons — and ensures you can continue operating with confidence.

Key Benefits of Public Liability Insurance:

Accident Coverage: Protection against personal injury or property damage claims from patrons or third parties.

Legal Defence: Financial support for legal representation, court costs, and settlements.

Peace of Mind: Confidence that your business is protected — allowing you to focus on service, not setbacks. 

Business Package Insurance for Melbourne Pubs, Bars, Nightclubs & Live Music Venues

At Delmont Insurance Group, we specialise in arranging business package insurance for bars, pubs and nightclubs in Melbourne, helping you safeguard what matters most while simplifying the process.

What is Business Package Insurance?

A Business Package Insurance policy bundles together a range of core covers that your venue needs under a single policy. This can include property damage, theft, business interruption, public liability, equipment breakdown, and more — all customised to the risks of your specific business.

Whether you run a late-night music venue, a lively inner-city bar, or a heritage-listed pub, we work with you to understand your operations and ensure you have the right protection in place.

Why It’s Crucial for Melbourne’s Hospitality Venues

Bars, pubs and nightclubs are exposed to a range of risks — from fire and theft to equipment failure and liability claims. A well-structured business insurance package ensures you’re covered across all key areas, giving you peace of mind and financial resilience.

Typical Covers Included in a Business Package Policy:

• Property Damage: Covers your building, fit-out, furniture, and stock against fire, storm, vandalism, and other insured events.
• Theft: Protection for stolen stock, cash, or contents.
• Business Interruption: Keeps your income flowing if you’re forced to close due to an insured event.
• Public Liability: Covers injuries or damage to third parties on your premises.
• Glass and Signage: Covers the cost of replacing broken glass or damaged signage.
• Equipment Breakdown: Essential cover for fridges, beer taps, and other machinery.

Tailored for Your Business

We don’t offer one-size-fits-all solutions. Our team visits venues across Melbourne and takes time to understand the unique risks associated with your site. This hands-on approach allows us to present your risk more favourably to underwriters and secure better terms and pricing from insurers who specialise in hospitality risks.

Speak to Melbourne’s Hospitality Insurance Specialists

At Delmont Insurance Group, we go beyond broking. We advise, advocate, and ensure your business is protected properly. If you run a Melbourne bar, pub or nightclub, let us tailor an insurance package that works as hard as you do.