Restaurant and Catering Australia (R&CA)

At Gallagher we are proud partners of Restaurant and Catering Australia (R&CA). We know that as the owner or manager of a restaurant, cafe or catering business, you are extremely busy with the day-to-day running of your operations. That's why we're here to assist you in ensuring that you have an insurance program in place to support your business.

Comprehensive coverage for every aspect of your business

Working with so many businesses in the hospitality sector, we know that no two businesses are the same. As your insurance broker, we strive to understand your hospitality business thoroughly, positioning you to navigate insurable events. Our team of specialist insurance brokers are dedicated to understanding the risks and delivering tailored solutions.

As an R&CA member, you can access a range of insurance products that cover all the aspects of your business including:

The flexibility of business pack insurance allows for the consolidation of various insurance coverages into a single policy. By opting for a business pack policy, businesses can benefit from a unified renewal date, reduced paperwork, and potentially lower costs compared to maintaining multiple insurance policies.

Offers protection for you, your staff and members of the public, by covering financial costs involved if a third party seeks compensation for negligent actions.

Covers you and your employees for expenses involved with alleged malpractice or professional misconduct or any failure of duty in providing a professional service, or if you or one of your staff make a mistake while carrying out business activities that detracts from what your customer has paid for.

This coverage protects businesses and their directors, officers, and managers from claims related to their management decisions and actions. Management liability insurance can cover legal costs and damages related to employment practices issues. 

Meet your legal obligations and protect your employees if they're injured or become ill as a result of their work.

Coverage tailored to the unique risks of R&CA industry

The biggest risks to your business as identified by our specialist hospitality insurance brokers are:

Business income interruption

If your restaurant or catering business is temporarily unable to operate due to an insured event, such as a fire or flood, the policy can provide coverage for the resulting loss of income and ongoing expenses.

Material damage and theft

Cover for your business property, including your restaurant premises, stock, fixtures, and fittings, providing protection against risks such as fire, theft, vandalism, and other perils.

Goods in transit

Cover for the cost of replacing goods that are damaged or lost in transit.

Cyber threats

Cyber risks are prevalent for all businesses and it's critical to consider protecting your business from a cyber incident. Cyber criminals may be seeking access to your financial information, or simply targeting your banking details.

The benefits of working with Gallagher

Resources

Get access to an extensive network of insurers and risk management services that may not be readily available elsewhere. This means we can offer you a wide range of options to choose from, ensuring you find the best coverage that suits your needs.

Personalised service

Our brokers take the time to understand your insurance needs. We believe in building strong relationships with our clients and providing tailored solutions. Our dedicated team will guide and support you throughout the insurance process, including claims management, to help you achieve the best possible outcome.

Terms

With our established relationships with insurers, our brokers can negotiate for more advantageous terms or broader scope of coverage on your behalf. This means we can work to secure comprehensive coverage for your hospitality business, ensuring you are adequately protected.

Risk awareness

Our experienced brokers can identify risks in your operations that you may not have realised or overlooked. By leveraging our industry expertise, we can help you assess and mitigate these risks, ensuring your coverage is comprehensive and tailored to your specific needs.

Industry knowledge

Gallagher specialises in working with small and medium-sized enterprises (SMEs), including hospitality businesses. This specialisation gives us a deep understanding of the unique risks and challenges faced by your industry. Our brokers have the industry knowledge and insights to provide you with the right insurance solutions.

Find out more

To find out more about how we can help you, contact us on 1800 271 193.

Why choose Gallagher

Dedicated specialists who understand the unique risks in the hospitality industry
Extensive branch network to provide support to clients no matter where they are located
Bundled business packs specifically tailored for the needs of R&CA businesses
Priority claims service to ensure prompt support and guidance in case of any incidents