The type of venues we specialise in are
- Country Pubs & Hotels
- Resorts & Motels
- Taverns & Bars
- Restaurants & Cafes
- Nightclubs & Gentleman’s Clubs
We specialise in insurance packages for country pubs, hotels, nightclubs, taverns and bars across Australia. Matrix Insurance Group has developed strong relationships with a number of insurers and underwriters providing all clients with tailored cover so you only pay for what cover you actually need.
Hotel and Pub Insurance has traditionally been a very limited market for publicans and business owners alike and a costly overhead due to limited insurers. Oliver Whittingham, hotel insurance broker and co-director of Matrix Insurance Group, has listened closely to the needs of hotel and pub operators around the country and is able to provide a comprehensive insurance package at competitive premiums.
The key for publicans is to choose a broker completely independent of any scheme arrangement, this allows more competition from the available insurers and ultimately drives down premiums, giving you a better deal in the long term.
Many country pubs are large federation style hotels. If you are responsible for insuring the building then it is very important to insure for the full replacement value of the building. We generally recommend having a building replacement valuation done to ensure that you are insuring the building and contents for the correct amount. Nearly all insurance policies have whats called a ‘Co-insurance clause or Average Clause’. This means that if you under-insure you may not receive full compensation in the event of a loss occurring.
Another tip for publicans is to split their turnover between bar sales, food, bottleshop, gaming and accommodation. If you don’t split your turnover, the insurance company will generally lump it all under bar sales and you might be paying more than you should for public liability insurance.
For small country hotels Matrix Insurance is able to offer $10 million public liability insurance for as little as $2,100 per year.
With easy monthly payment options available, unrivalled personal service and expert and independent advice, Matrix Insurance Group are raising the bar for Hotel and Pub Insurance across Australia.
Thanks mate, it’s been a pleasure dealing with you so far. We appreciate the effort and attention to detail.
Thank you so much for your fast reaction to my urgency. Your actions assisted the credibility of my business at this time. This is true customer service that demonstrates a genuine care to your clients. Because of this action you can be assured you have my return business and recommendations to my business colleagues.
Thanks so much for doing all the foot work and finding out what we actually need. The best advise we have been given in a long time. Congratulations on a terrific job.
What separates Oliver from most brokers is that he “gets” our business, he never sells, he goes the extra mile and further for us, he works to reduce our premiums, not increase them and will recommend alternatives that are relevant to our needs and discourage what is not, even if, it may not benefit him.
I have been using Matrix Insurance for many years now and I am extremely pleased with not only the personal service that I receive but also the price of the insurance coverage that Matrix has been able to obtain for my 3 businesses. My premiums have come down dramatically. I am delighted that I changed to Matrix Insurance.
By taking the time to understand our business and the industry in which we operate, the team at Matrix were able to secure the right cover for the best price.
I would like to thank you for all the support and advice you have given us, making this journey much easier. The comprehensive options you bring to the table help us to make logical decisions in this area.
Even being in a small country town in Tasmania is not a problem for Matrix Insurance. We had to make a motor vehicle claim and our vehicle was removed the same day and payment within 2 weeks! Thank you Matrix Insurance for providing a hassle free claims service.
Matrix Insurance have always been able to show us the best insurance companies to meet our needs at the best price points. Oliver Whittingham and his team have always been very responsive when we have needed to process a claim and have supported the best outcome for us.
Matrix Insurance has been looking after our business needs since day one. Nik has been diligent in seeking the best options for our company’s needs and has been prompt and reliable on all occasions. I would highly recommend Matrix to any company seeking a quality Insurance Broker for their insurance requirements.
Contact Matrix Insurance today to speak with an expert hotel and pub insurance broker on
Hotel & Pub Quote Request Form