Hospitality insurance
Cover options for hotels, pubs, restaurants, cafés, takeaways and holiday parks, arranged by an insurance broker that works with hospitality businesses.
Insurance for hotels, pubs, restaurants, cafés and other hospitality businesses
Hospitality insurance is a set of business covers for businesses that serve food and drink or look after guests, such as hotels, guest houses, B&Bs, pubs, restaurants, cafés, takeaways and holiday parks. It usually combines public and products liability, employers' liability, cover for your building and contents, and business interruption, with extra covers depending on how you trade.
PIB Insurance Brokers arranges cover for independent hospitality businesses and small groups. A broker can be particularly helpful when your business is more complex, for example a listed building, weddings and events, a bar open to non-residents, frying or open-flame cooking, more than one site, or closing for part of the year.
Choose your type of business below to see what's usually covered, what isn't and what affects the cost.
Find cover for your type of business
Common covers for hospitality businesses
Which covers you need depends on your business. Cover, limits and exclusions vary by policy, and each business type page above sets out what's usually covered and what isn't. Policies usually exclude wear and tear, damage from poor maintenance, and closures from disease unless you've added an extension, and most covers carry an excess.
Public and products liability
Claims from guests, diners and visitors who are hurt, made ill by food or drink, or whose property is damaged.
Employers' liability
Claims from staff hurt or made ill at work. Usually required by law if you employ staff, including part-time and seasonal staff.
Buildings and contents
Your building, fit-out, furniture and equipment against events such as fire, flood, storm and theft.
Business interruption
Lost income and ongoing costs such as wages while you can't trade after an insured event like a fire or flood.
Stock
Food and drink stock, often including stock spoiled when a fridge or freezer fails, up to a stated limit.
Equipment breakdown
Sudden mechanical or electrical failure of kitchen equipment, refrigeration, boilers and lifts.
Loss of licence
Loss in the value of your business if your premises licence for alcohol is suspended or revoked.
Cyber
Costs of responding to a data breach or cyber attack, such as a compromised booking system or card payments.
Why work with PIB Insurance Brokers
We explore your options
We can approach insurers that cover hospitality businesses and set out the differences in cover, not just price.
We look at how you trade
Weddings and events, takeaway and delivery, a late licence or closing for part of the year may each change what you need to tell your insurer.
We look for common gaps
Business interruption set too short to rebuild and win back trade, an out-of-date rebuild cost, or no loss of licence cover where alcohol drives your turnover.
Here when things change
Our team is on hand throughout the policy year for advice, whether your circumstances change or you're not sure what to do next.
What our clients say
Reviews from PIB Insurance Brokers clients across the sectors we work with, collected by Reviews.io.
Not sure what cover your hospitality business needs?
Get a quoteFrequently asked questions
What is hospitality insurance?
Hospitality insurance is a set of business covers for businesses that serve food and drink or look after guests, such as hotels, guest houses, pubs, restaurants, cafés, takeaways and holiday parks. It usually combines public and products liability, employers' liability, buildings and contents, and business interruption. Extra covers such as equipment breakdown, loss of licence and cyber depend on how you trade.
What insurance is required by law for a hospitality business?
The main insurance required by law is employers' liability, which most businesses need once they employ staff, including part-time and seasonal staff. The minimum is £5m, and you must display the certificate or make it available to staff electronically. Motor insurance is also required by law for any vehicles you use on the road, such as for deliveries. Public liability isn't required by law, but you'll usually need it in practice, as landlords often make it a condition of the lease.
How much does hospitality insurance cost?
There is no standard price. What you pay depends on your type of business, turnover, number of staff, the rebuild cost of your building, how you cook, whether you sell alcohol, the events you host and your claims history. Each business type page above explains what affects the cost for that type of business.