Hospitality Help 

As the festive season in Australia rolls in, it’s not all just the barbecues sizzling under the summer sun. Your hospitality business is hopefully going to see a surge in customers, festive events, and, of course, the inevitable challenges that come with them.

Let’s check the menu for some common issues you might face and how the right insurance can be your safety net.

The Customer Rush

Imagine a busy Saturday night during the festive season. Your restaurant is packed, and that’s great for business! But in the rush, a customer slips on a spilled drink.

It’s scenarios like these where Public Liability Insurance steps in. It’s your shield against claims for injuries or property damage caused to your customers. Make sure it’s robust enough to handle the high foot traffic of the season.

The Overworked Elves

Your kitchen, bar and restaurant staff are working double shifts to keep up with the orders. But fatigue leads to mistakes, and accidents happen. This is where your Workers’ Compensation Insurance is crucial.

It covers your staff if they’re injured on the job. And with the tension running high, Employment Practices Liability Insurance is your safeguard against potential disputes or claims from employees.

Food, Glorious Food… Or Not

Now, let’s talk about the star of the show – the food. With more dishes flying out of the kitchen, there’s an increased risk of foodborne illnesses or allergic reactions. Here, Product Liability Insurance is your best friend, covering claims related to the food and beverages served.

When the Grinch Steals Christmas

With the festive decorations and extra stock, there’s more at stake if there’s a break-in or property damage. Check that your Property Insurance covers these seasonal increases in stock and decorations.

Santa’s Cyber Workshop

Maybe you’re taking more bookings online, or selling gift vouchers through your website. This digital leap increases your exposure to cyber threats.

Your Cyber Liability Insurance should be equipped to handle these risks, protecting against data breaches and cyber-attacks.

Remember, folks, it’s not just about having insurance; it’s about having the right coverage.

So, chat with the Local Insurance Broker Tasmania trusts, RSM Tasmania Insurance, and ensure your hospitality business is set to make the most out of this festive season, worry-free! Remember, even if your business does not fall under either of the headings of our article, your business may still benefit from a chat with RSM about your specific industry.

We hope you found our two-part series on navigating the festive season challenges for hospitality and online businesses helpful.

Happy holidays and happy selling!

Talk to Roger Hosie from #RSMTasmania today.
Call Now! (03) 6244 7854, or email roger@rsmtasmania.com.au 

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