Tailored Hospitality & Tourism Insurance: Why Your Business Needs More Than Just a Basic Policy

Key Takeaways

• Hospitality and tourism businesses face high exposure to risks like guest injury, property damage, cyber threats, and business interruptions.

• Generic insurance policies often don’t cover industry-specific needs.

• Many business owners mistakenly believe their current policy is enough — until they face a costly gap.

• Fortuna Insurance provides tailored, practical advice and cover specifically for hospitality and tourism businesses across WA.

Whether you're running a beachfront café, managing a lively bar, hosting guests at a boutique hotel, or offering outback adventure tours, hospitality and tourism is one of the most rewarding — and risky — industries to be in.

The experiences you create bring joy to others, but even the best operators can be caught off guard when something unexpected happens.

That’s where Fortuna Insurance comes in.

We help all hospitality and tourism businesses from small to large protect what matters most with insurance that’s built for their industry — not just a one-size-fits-all policy that leaves you exposed.

The truth is, many operators believe they’re covered, only to find out (too late) that their policy excludes essential parts of their day-to-day operations.

And in an industry where reputation and continuity are everything, that’s a risk you don’t want to take.

Why Off-the-Shelf Insurance Doesn’t Work in Hospitality

When considering insurance options, it's important to consider the daily realities of hospitality and tourism.

But this industry is complex.

A winery with a tasting room doesn’t have the same risks as a charter fishing business. A boutique bed & breakfast has different needs from a hotel chain.

Here’s what proper hospitality and tourism insurance often includes (and what most generic policies miss):

• Public Liability Insurance – Crucial for guest injuries and third-party incidents.
• Property & Contents Cover – For everything from kitchen equipment and decor to signage and stock.
• Business Interruption – Essential for events like power outages, equipment failure, or natural disasters.
  
• Cyber Liability Insurance – If you accept online bookings or store guest info, this is a must-have.
• Tour & Transport Liability – For businesses offering guided tours, transfers, or marine/vehicle experiences.
• Event Cancellation Cover – For venues and tour operators facing last-minute disruptions.
• Equipment Breakdown Cover – Because a fridge or espresso machine failure can shut down service fast.

You Don’t Have Time to Guess — That’s Why You Call Fortuna

In hospitality, every day is go-go-go. You’re managing staff, bookings, suppliers, guests, reviews… the last thing you need is uncertainty about your insurance cover.

At Fortuna Insurance, we take the time to understand how your business works — then match you with tailored cover that fits your risks and budget. No cookie-cutter policies. No confusing jargon. Just smart, reliable protection that gives you the confidence to focus on what you do best: delivering amazing guest experiences.

Ready to Make Sure You’re Covered?

If you haven’t reviewed your current policy — or you’re not sure what you’re actually covered for — let’s have a chat. You might be surprised by what’s missing.

Contact Fortuna Insurance today for a free, obligation-free review. We’ll show you exactly what you need (and nothing you don’t).

Because peace of mind should be part of your guests' experience, too.

 Disclaimer: This blog is intended for general information purposes only. It does not take into account your specific needs or circumstances. For personalised advice, please speak directly to one of our qualified insurance professionals at Fortuna Insurance.