Serving peace of mind. In hospitality, every detail counts: happy guests, smooth service, and steady cash flow. Behind the scenes, unexpected risks can interrupt all three. Our tailored Hospitality Insurance helps protect your venue, your people, and your reputation, so you can focus on delivering great experiences.
This cover suits restaurants and takeaways, cafés and coffee shops, bars and pubs, hotels and boutique inns, bed and breakfasts, caterers and street food vendors, and event venues with function spaces. From a single-site café to a growing group, we will build a policy that fits your footprint.
Your operation is unique. Whether you run a café, restaurant, bar, hotel, or guesthouse, we shape cover around how you work, when you trade, and where your pinch points are. Expect clear advice, competitive terms, and a dedicated claims team ready to step in when things go wrong. Policies flex as you grow or change, without cutting the protection that matters.
Two venues can look similar yet face very different risks. We consider trading hours, cooking methods, extraction systems, reliance on refrigeration, delivery platforms, on and off-site events, alcohol service, entertainment, and listed-building features. Limits and extensions are then set to match your turnover, peak stock values, equipment replacement times, and landlord or lender requirements.
Good controls keep premiums stable and downtime low. We can help with fire risk assessments, kitchen extraction cleaning schedules, gas and electrical testing, grease management, temperature monitoring, slip and trip prevention, incident reporting, security and CCTV, cash handling, and allergen management that aligns with labelling and staff training.
Business interruption only performs if it is set up correctly. We will help calculate realistic indemnity periods, reflect seasonal peaks, include supplier and utility failures where appropriate, and build in increased cost of working for temporary kitchens or alternative trading arrangements.
If something happens, speed and clarity make the difference. Our claims team coordinates engineers, adjusters, and contractors, keeps you informed, and pushes for prompt authorisation. The aim is simple: limit disruption, protect guest relationships, and get you trading again quickly.
Tell us about your menus, equipment, trading pattern, headcount, and any lease or franchise obligations. We will design hospitality cover that fits today, adapts as you grow, and gives you confidence in the protection behind your service.
