Hospitality

Hospitality Insurance

Insurance made simple

Serving Confidence Daily – Protection Tailored for Hospitality

Hospitality insurance is designed to protect restaurants, cafés, bars, and catering businesses from the unique risks they face every day – from property damage and equipment breakdowns to public liability. Whether you’re serving coffee or managing a busy kitchen, this cover ensures you stay open, compliant, and financially secure when the unexpected hits. It’s peace of mind for businesses that serve with pride.

Insurance That Covers Every Course

Hospitality Insurance

Property Damage

Property Damage cover is a critical part of any hospitality insurance policy, designed to protect your business’s physical assets from unexpected events that could disrupt trade. Whether it’s fire, storm, or accidental damage, this section ensures that your premises, contents, and equipment are financially protected, so you can focus on keeping service running smoothly.

What Property Damage Insurance Typically Covers

- Buildings: Covers damage to owned or leased premises due to events like fire, storm, or vandalism.
- Fixtures & Fittings: Includes built-in items such as kitchen installations, counters, and lighting.
- Contents: Protects movable items like furniture, décor, and point-of-sale systems.
- Stock: Covers food, beverages, and other inventory against loss or spoilage due to insured events.

Business Interruption

Business Interruption section of a hospitality insurance policy is designed to protect your income when your operations are unexpectedly disrupted due to an insured event – like fire or storm damage. It helps cover the financial gap while your business recovers, ensuring continuity even when the doors are temporarily closed.

What Business Interruption Typically Covers

Loss of Gross Profit or Revenue: Replaces income lost during the interruption period.
Fixed Operating Expenses: Covers ongoing costs like rent, wages, utilities, and loan repayments.
Additional Costs of Working: Pays for temporary relocation, equipment hire, or overtime wages to keep the business running.
Claims Preparation Costs: May include fees for accountants or consultants to help quantify the loss.

Machinery Breakdown

Machinery Breakdown and Deterioration of Stock are essential for protecting your operations from equipment failure and the resulting spoilage of perishable goods – two major risks in food and beverage businesses.

Machinery Breakdown

This section covers the repair or replacement costs of essential equipment that unexpectedly fails due to mechanical or electrical issues. It’s especially relevant for:

Refrigeration units, ovens, dishwashers, and POS systems
Air conditioning and ventilation systems
Coffee machines, mixers, and other kitchen-specific gear

Deterioration of Stock

This section protects against financial loss when perishable stock – like meat, dairy, or produce – spoils due to a refrigeration failure.

What it usually covers:

Spoilage caused by breakdown of cold storage equipment
Losses due to temperature fluctuations or refrigerant leaks
Disposal costs for contaminated or unsafe goods

Public & Products Liability

Public & Products Liability is essential for protecting your business against claims arising from injury, illness, or property damage caused by your operations or the products you serve – especially important in environments where food, drink, and high foot traffic are part of daily life.

What Public & Products Liability Insurance Typically Covers

Public Liability: Covers your legal liability if a third party (e.g. customer, supplier, or visitor) suffers injury or property damage due to your business activities.
Products Liability: Covers claims arising from food or beverages you’ve sold or served that cause harm.

Why It’s Crucial for Hospitality Businesses

High Exposure: Constant interaction with the public increases the risk of accidents and claims.
Food & Beverage Risks: Allergic reactions, contamination, or improper handling can lead to serious liability.
Venue Hazards: Spills, broken glass, or faulty furniture can result in injury or damage.
Compliance: Many commercial leases and event contracts require proof of this cover.