Pubs & Restaurants Insurance

Most hospitality businesses require several key types of cover, including:

• Public Liability: protects you in the event that a customer is harmed or their property is destroyed.
• Employers’ Liability: A legal obligation if you employ people.
• Product Liability: Covers claims connected to the food or beverages you offer.
• Buildings and Contents: secures your building, furnishings, and equipment.
• Stock Cover: for perishables, wines, spirits, and frozen products.
• Business Interruption
• Loss of Licence: Protects your income if you are forced to temporarily close.

Optional covers can include legal expenses, cyber cover, goods in transit cover & more

Yes, if you employ anyone, you must have Employers’ Liability Insurance by law. Other types of cover, such as Public or Product Liability, are not legally required but are strongly recommended, as they protect you from common risks such as customer injuries, allergic reactions, or property damage.

Premiums vary depending on several factors, including:

• Your annual turnover and size of business
• Number of employees
• Location and condition of the premises
• The level and type of cover you choose
• Your claims history and risk-management practices

The best way to get an accurate cost is to request a tailored quote that reflects your individual circumstances.

Business Interruption Insurance protects your income if you are unable to trade due to an insured event such as fire, flood, or serious equipment damage. It can help replace lost profits and cover ongoing expenses while your business recovers.

Not always. If you offer takeaway, delivery, or catering away from your main premises, you should confirm that these activities are included in your policy. Always let your broker know about any changes to your services so they can ensure you have the correct cover in place.

Yes, serving alcohol introduces additional risks. You may need Loss of Licence cover in case your alcohol licence is suspended or revoked, and you should also ensure your liability cover accounts for incidents related to the sale of alcohol.

If you have Product Liability or Food & Drink Liability insurance, you may be covered if a consumer experiences an allergic reaction or food poisoning. However, insurers want you to adhere to established food-safety and allergen-management protocols in order to decrease the risk of such claims.

You can help lower your premiums and improve safety by:

• Conducting regular health & safety and fire-risk assessments
• Training staff in food hygiene and allergen awareness
• Maintaining fire-safety systems and kitchen equipment
• Keeping accurate stock and maintenance records
• Reviewing your sums insured to avoid underinsurance
• Informing your broker about any changes in your business

Good risk management demonstrates responsibility and can lead to more favourable premiums.

The sum insured is the maximum amount that your insurer will pay for a claim. If your property, stock, or equipment is devalued under your policy, you may not get the full replacement value. It is critical to examine your insured sums on a frequent basis to ensure that they represent current replacement values.

You should review your insurance:

• Annually at renewal
• Whenever your business changes — for example, new premises, higher turnover, new services (like outdoor dining or delivery)
• After major refurbishments or equipment upgrades

Keeping your policy up to date ensures you stay properly protected.