Hospitality Insurance & The Hospitality Sector

The hospitality sector is finally opening up and things are slowly but surely going back to normal. The hospitality industry has a unique set of challenges especially with the continued contact with the members of the public. This sector brings additional exposures and so risk management is an integral part of this industry, making sure that services are delivered in ways that will limit liability. 

Hospitality insurance will cover restaurants, hotels, private members clubs, late-night bars and casinos. These premises’  can be a high-risk environment for both employees and customers and for smaller businesses such as pubs, B&Bs and takeaways this means choosing insurance cover can be a confusing task.

Business Interruption

Business interruption insurance is one of the most misunderstood types of insurance. Business owners believe that other insurances will take care of everything should operations be interrupted which is incorrect. Business interruption insurance has become even more important during the Covid-19 pandemic as business interruptions are happening a lot more frequently. For many businesses without business interruption insurance can often lead to a business closing down all together.

Stock In Transit

Owning a business in the hospitality sector means you will have many goods delivered to your premises daily, whether this be alcohol, food and more. Goods in transit cover the goods of a business against loss or damage of these goods whilst they are travelling from one place to another or being stored during a journey. This can cover domestic and overseas travel.

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Public Liability Insurance

Public liability insurance is perfect for all different sizes of business across a range of industries. It covers you if a client or member of the public claims that they have been injured, or their property has been damaged, because of your business activities. This is especially important in nightclubs and pubs where accidents are more likely.

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Loss of Licence

In order to sell alcohol, a business or premises will need to have an appropriate alcohol license in order to operate within licensing laws.

A license can be revoked or not renewed for a number of reasons including public safety, the sale of alcohol to minors and crime.

If you lose your licence through no fault of your own, your business could suffer. Loss of licence insurance will cover you against any losses which may be incurred.

This is a risk that could cause a number of problems for your business and it is a risk that will need to be managed and approached effectively.

This can massively affect the way that your business operates, affect business credibility and discourage clients from visiting your establishment.

Employers Liability

If you have employees, contractors, casual workers or temporary staff, you are required by law to take out employers’ liability insurance. It will cover claims from employees who’ve been injured or become seriously ill as a result of working on the premises.

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Business Contents

Business contents insurance is a type of business insurance that can protect the processions and equipment in your work premises. A typical business contents insurance policy will cover you from damage or loss to furniture as a result of flood, fire and theft.

Event Insurance

Special event insurance is an insurance policy which helps protect your investment in a special event, such as a wedding. It will help cover your costs if you unexpectedly need to cancel your event or if you’re found responsible for property damage or an injury caused during your event.


High footfall brings potential exposures, so you may want to consider these optional covers too: 

– Cost of obtaining alternative accommodation for guests 

– Guests’ and customers’ personal effects and valuables 

– Full theft

– Loss of attraction 

– Environmental liability 

– Notifiable disease cover

– Subsidence 

– Computer breakdown 

– Equipment breakdown

– Employee theft 

– And more…

Find out which of the above you will need for your business on [broker_phone] where a member of the team will advise you further.

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Business Interruption During The Pandemic

During the pandemic hospitality businesses claimed business interruption insurance, at the start insurance companies were reluctant about this as of course, we have never experienced anything like this before. The courts ruled on the specific wording of the policies, including clauses relating to disease and prevention of access. More information on this can be found on the Supreme court website. 


For more information on hospitality insurance please get in touch with [broker_director] at [broker_name] on [broker_phone] for more information.

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