Café / Hospitality — PL + Food Contamination

Slip-and-fall, food poisoning, customer property damage — what hospitality wording looks like.

Hospitality liability is two-headed: public liability for premises injury (slips, falls, hot drinks), and products liability for what you serve (food contamination, allergen mislabelling). Most general public liability wordings include products liability — but the carve-outs around food, recall, and Consumer Guarantees Act differ materially.

Cover types most relevant

Public liability

Public liability (sometimes "broadform" or "general liability") covers third-party bodily injury and property damage arising from your business activities. NZ commercial wordings vary materially on the products-liability bundle, the "occurrence" definition, contractual-liability extensions and the territorial limit.
Products liability

Products liability covers third-party bodily injury / property damage caused by a product you supplied, manufactured, imported or installed. Sits inside most public liability wordings but the carve-outs (efficacy, financial loss, recall) differ by insurer.

Watch out for

recall: Product recall costs are typically excluded from products liability — they sit on a separate recall policy or are uninsured.
efficacy: Efficacy exclusions matter for any 'health' claim about your food (e.g. gluten-free) — read carefully.

Café / Hospitality — PL + Food Contamination

Cover types most relevant

Watch out for

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