Guides
Three guides on insuring a licensed venue
Insuring a venue for the first time, or getting ready to renew? There's a guide on which covers to hold, one on price, and one on liquor licences and council permits.
01
Pick a guide
GUIDE 01
What insurance does a pub need?
Workers compensation and other insurance the law can require, which covers are optional, and when to review them.
Read the guide
GUIDE 02
How much does pub insurance cost?
How insurers work out a venue's price, and the tax each state adds on top, called insurance duty. It also shows why insuring for too little can cut what a claim pays.
Read the guide
GUIDE 03
Liquor licences and insurance
The state and territory liquor licence pages we checked don't list insurance, but councils commonly ask for public liability before approving outdoor dining or events. They'll also want evidence that you're insured right now, on a document called a certificate of currency.
Read the guide
02
Where the facts come from
Most facts in the guides come from government sources, such as business.gov.au, state revenue offices and liquor licensing bodies. The rest come from insurers and industry bodies, and the guide names each one.
Rules and tax rates change, so every guide shows the date its facts were last checked.
Before you read
No. A guide explains how things usually work. For advice on your venue and the policies you're offered, talk to your broker.
Where a rule or tax rate isn't the same across Australia, the guide lists the states and territories it applies to. If yours isn't listed, the guide says where to check.