Pub, Restaurant & Hotel Insurance
Have peace of mind as our pub, restaurant and hotel insurance offers you a comprehensive number of features. These have been tailored to meet the specific requirements of the hospitality industry.
Extensive cover and services
This insurance also gives you the option to choose from a top selection of optional covers and services.
- Stock, contents, fixtures & fittings – cover for accidental damage including theft and flood
- Money and assault – this also includes any cash held inside money or gaming machines
- Business interruption – when you take out this feature you are provided with cover for loss of income, the accidental failure of utilities and automatic cover for loss of attraction
- Property damage – this cover includes seasonal stock increases as well as any garden furniture which is usually kept out in the open
- Employer’s liability insurance cover for a pub, restaurant or hotel business
- Many businesses that take on either permanent or temporary staff are required by law to have this kind of insurance in place. Should an employee be injured at work, or their property found to be damaged, and you are held legally liable, this insurance can cover you. This also includes cover for staff who only work part-time hours at your pub, restaurant or hotel.
Commercial legal expenses cover
Commercial legal expenses cover can protect a business against the threat and costs of litigation. This comprehensive insurance offers you the benefits of representation and legal advice as well as cover for debt recovery and any contractual disputes.
Public liability
Public liability insurance is crucial for any business that has visitors on its premises. The policy covers your legal liability for bodily injury or death to members of the public. The policy will also include any damage to personal belongings left in your custody or control.
Product liability
While product liability is not a compulsory cover for your business, it can be useful in covering legal liability should any damage to property or personal injury occur as the result of a sale or supply of products through your business.
Optional add ons
As well as the great variety of product features described above, there are also a number of optional add-ons you can also choose to provide cover for your business. These include:
- Loss of liquor licence
- Frozen food
- Employee dishonesty
- Terrorism cover
- Personal accident