Hospitality Insurance
Whether you’re running a hotel, guesthouse, restaurant, pub, or takeaway, your insurance needs will depend on the specific requirements of your business.
Insurance for Restaurants, Accommodation & Food Services
Whether you’re running a hotel, guesthouse, restaurant, pub or takeaway, your insurance requirements will be shaped by the particular needs of your business. A range of factors, including the number of staff you employ, the number of rooms in your establishment, whether you serve food, host events, or have extra facilities like a pool or gym, will determine the extent and severity of risk.
It is because of this diversity that ‘one size fits all’ policies and online comparison sites simply do not work for your industry. Instead, you need a broker who understands the needs of your business and can quickly identify areas of risk, recommending policies that address these vulnerabilities whilst ensuring you are not paying for coverage you don’t require.
Why Choose Robison & Co
We’re specialists in the hospitality sector: we’ll help protect your property, staff, guests, reputation and income through policies tailormade to meet your needs.
We’ll access a wide range of industry-specific insurance partners to find your best fit: our extensive panel of mainstream & niche insurance partners means we can tailor your policy to give you peace of mind at a price you can afford.
We’re on your side: we’re easy to work with, customer-focused and have the best interests of your business at heart
We have particular expertise in multilocation operations, public houses, hotels and restaurants
We only offer bespoke, boutique insurance solutions: reflecting your evolving business needs and minimising current and future risk
Guided, individual claims management: nobody wants to make a claim, but should the worst happen, we’ll help you to keep things simple
Bespoke doesn’t have to mean expensive: our tailored approach to insurance means you will no longer pay for cover you don’t need
We’ll provide industry specific resources which offer guidance relevant to your business: Health & Safety, compliance, workplace policies, employee wellbeing
Policies for Restaurants, Accommodation & Food Services
Each of our client’s requirements are unique, but here are a few of the specialist insurance policies available to restaurants, accommodation and food service businesses.
Material Damage
Business Interruption
Public Liability
Legal Expenses
Motor Fleet
Take a look at Our Process to find out how we work to get the best insurance solution for your business.
Hospitality Insurance
Running a hospitality business isn’t just about making guests feel welcome – it’s about keeping your business safe, secure, and prepared for the unexpected. That’s where hospitality insurance comes in. It’s your safety net, designed to protect the heart and soul of your operation. Let’s unpack what this essential cover is all about, who it’s for, and why you shouldn’t leave things to chance.
What is Hospitality Insurance?
Hospitality insurance is a comprehensive package designed specifically for businesses in the hospitality sector – think hotels, restaurants, pubs, cafés, and even event venues. It provides cover for the unique risks that come with running a hospitality business, from accidental injuries on your premises to equipment damage or even loss of income due to unforeseen disruptions.
Imagine your best chef accidentally cuts their hand and can’t work, or a pipe bursts and floods your dining area – without insurance, you’re left footing the bill. Hospitality insurance steps in, offering you financial and operational peace of mind.
Who Does Hospitality Insurance Cover?
Hospitality insurance is as flexible as the industry it serves. It caters to:
Restaurants, Pubs, and Bars: Covering property, staff injuries, and liability claims.
Hotels and B&Bs: From guest injuries to damage to their belongings, you’re covered.
Cafés and Coffee Shops: Protecting your equipment, stock, and customers alike.
Event Spaces: Handling public liability for events you host or cater.
What’s included in a Hospitality Insurance policy?
Whether you run a boutique B&B or a bustling chain of restaurants, hospitality insurance is designed to cater to businesses of all sizes. Here’s what’s typically covered by a hospitality insurance policy.
Management Risk Toolkit
If you’re interested in learning more about Restaurants, Accommodation & Food Services and how we can protect your business, please give us a call on 01730 265500 or email one of our hospitality Insurance specialists, Simon Gubbins or Danny Toull.
What’s included in a Hospitality Insurance policy?
We get it, no two hospitality businesses are the same. That’s why we tailor our policies to suit your needs. With years of experience helping businesses like yours, we’re experts in hospitality insurance. You focus on delighting your guests; we’ll handle the risks.
We’re specialists in the hospitality sector: we’ll help protect your property, staff, guests, reputation and income through policies tailored to meet your needs.
Ready to Protect Your Business?
Don’t wait for the worst to happen. Get in touch with our expert team today for a free quote and personalised advice. Your hospitality business deserves insurance that works as hard as you do. Let’s make it happen.
Frequently Asked Questions
Do i really need hospitality insurance?
Yes! Without it, you risk paying out of pocket for accidents, damages, or legal claims. It’s not just about compliance – it’s about protecting your livelihood.
Is Public liability insurance mandatory?
It’s not a legal requirement, but it’s highly recommended. Most customers and suppliers expect you to have it, and it safeguards you if someone makes a claim.
How much does hospitality insurance cost?
The size of your business, the type of services you offer, the number of employees, and the level of cover you need all play a role. Bespoke doesn’t have to mean expensive: our tailored approach to insurance means you will no longer pay for cover you don’t need. We’ll help you find the perfect balance of affordability and protection
Can i customise my hospitality insurance policy?
Absolutely. We’ll work with you to create a bespoke package that meets your specific needs. no more, no less.
What happens if i need to make a claim?
Nobody wants to make a claim, but our guided, claims management means our claims process is simple and hassle-free if it happens. Just get in touch, provide the details, and we’ll help you handle the rest. Your business gets back to normal as quickly as possible.
Does hospitality insurance cover seasonal or temporary staff?
Yes, policies often include options to cover seasonal or part-time employees. Be sure to discuss your staffing arrangements with your insurer to ensure everyone is adequately protected.
