Hotel and Restaurant Insurance that fits the way you run your business
Running a hotel, pub or restaurant means long days, busy services and a lot to juggle. You look after guests and staff, while managing food service, equipment, licences and cash flow.
If something goes wrong, it can hit your business hard, from a kitchen fire or food-related claim to broken glass, a burst pipe or licence issues. The right insurance helps you recover faster and keep trading.
Who this suits
This cover suits:
Bed and breakfasts (B&Bs) and holiday accommodation
Pubs, wine bars and late-night venues
Restaurants, cafés, snack bars and sandwich shops
Takeaways, fast-food and delivery businesses
Caterers and businesses working at events or functions
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If you welcome guests, serve food or drink, or run a hospitality business open to the public, this cover can help protect you.
What your policy can include
Every hospitality business is different. A small bed and breakfast is not the same as a busy pub or a coastal hotel. We work with several insurers and shape your cover around your property, your guests, your staff, and how and when you trade. Exact features vary by insurer, and we explain what applies to your policy and highlight the key areas of cover.
Core protection
Your policy can include:
Buildings and business area
Cover for your buildings, fixtures, fittings
Contents and equipment
Cover for furniture, kitchen equipment, tills, card machines and other
point-of-sale (POS) systems.
Stock
Cover for food, drink, frozen and chilled products.
On-site facilities
Cover for pools, gyms, play areas, function rooms and conference
rooms.
Public and products liability
Public liability covers you if you, your staff or your business are
found responsible for accidental injury to a member of the public or accidental damage to their
property.
Products liability covers claims arising from food or drink you prepare or supply that causes
illness or injury, such as food poisoning.
Employers’ liability
Cover for injury or illness suffered by employees while working for you. The law usually requires this if you employ staff.
Business interruption
Helps with lost income and additional costs if a fire, flood or other insured damage stops you trading as normal.
Money and takings
Cover for cash held on your premises or while in transit.
Optional extras
We help you decide what is worth adding based on how you operate.
Options can include:
Goods in transit.
Cover for stock and supplies moved between sites or taken to events.
Staff working off-site.
Cover for catering, functions or events.
Loss of licence cover.
Cover for loss of income if your business relies on an alcohol, late-night or entertainment licence and it is under review or temporarily suspended.
Specialist or portable equipment.
Cover for mobile POS units, tablets and catering kit you use away from the premises.
Equipment breakdown
Cover for mechanical or electrical breakdown of key kitchen and catering equipment, such as ovens, refrigeration units and dishwashers.
Employee dishonesty.
Cover if an employee steals money or stock.
Personal accident cover.
Cover for you, your employees or a key person if a serious injury means you cannot work.
Legal expenses.
Cover for legal costs for contract disputes, staff issues and claims.
Hospitality-specific risks we help you think through
As brokers, we help you think about:
- How your kitchen setup, including any deep-fat frying, can affect your insurance
- What counts as entertainment or events and how to insure them
- How to protect your income if bookings have to stop because of fire, flood or other damage
- What your cover can do if a regulator challenges, suspends or temporarily removes your licence
- How to insure facilities on site, such as pools, gyms, play areas or function rooms
- How cover works if you close seasonally or your premises are empty at certain times of year
- What you need if you work off-site, such as catering jobs, festivals or private functions
How we help
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Step 1 of 4
You tell us about your business. You tell us about your property and facilities. You also tell us about your food and drink service, staff, income and any events or off-site work.
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Step 2 of 4
We compare insurers We approach suitable insurers, gather quotes and check the details for you.
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Step 3 of 4
You review your options We explain what each quote covers and where the main differences are. We also highlight the points you should think about.
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Step 4 of 4
We arrange your policy Once you are happy, we set up your cover and send your documents.
We are here at renewal and if you need support with a claim. Insurers decide whether to offer cover (underwriting). All policies have terms, conditions and exclusions, and we explain these clearly.
Why use a broker for Hotel and Restaurant Insurance?
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We work for you, not for the insurers.
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We are local and understand island hospitality and seasonal trading.
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We help with licences, entertainment, off-site catering and on-site facilities.