Hospitality Insurance – Compare Leading Insurers

 

• Instant online quotes facility
• Immediate cover if required
• Payment by Credit or Debit Card with no handling charge
• Policy documents for download

If you are part of the hospitality industry (e.g. Restaurant / Public House / Bar / Cafe ) you need a specific type of hospitality insurance policy. We offer a number of answers to your hospitality insurance needs from various top insurers.

Bar Insurance	Hospitality Insurance	Pub Insurance	Restaurant Insurance

Hospitality Insurance – Our standard package policy includes;

• Contents Cover (Buildings Cover being an optional extra).
• Your Restaurant / Public House / Bar / Cafe contents will be insured against a range of standard insurance risks and you can include accidental damage as an optional addition.
• Public Liability will insure you for a third party being injured or their property be damaged, during the conduct of your business for which you are legally liable. Cover can be acquired with limits of £1,000,000, £2,000,000 or £5,000,000.
• Employers Liability protects your business, should an employee be injured during their employment with your company, when you or your company are deemed to be responsible. This policy provides up to £10,000,000 of cover. Please check the definition of an employee on this link.

Business Interruption

This cover can help offset your losses when your hospitality business loses income as result of an incident, which the hospitality insurance policy covers, i.e. fire or theft. This would help you get back to full trading or cover you for the indemnity period you have chosen – whichever comes first.

Business Money.

This can cover you for the money both in and out of business hours (security requirements may apply). You will additionally be covered whilst money is in transit, in a bank night safe or in the home (up to £500).

Personal Accident (Assault).

Should you or one of the employees of your hospitality business be the victims of assault whilst responsible for business money,  this hospitality insurance section will provide you with cover.

Glass Breakage.

Equipment Breakdown; Includes damage to perishable goods caused by failure of the insured equipment.

Commercial Legal Protection (included as standard).

Hospitality Insurance Legal defence

• Contract Disputes
• Property Protection
• Employment Disputes
• Employment Compensation Awards
• Debt Recovery
• Tax Protection

Beyond this you can include the following as hospitality insurance optional extras:

• Goods in Transit
• All Risk Cover on Specific Equipment
• Loss of Licence of one’s Restaurant, Wine Bar or Public House
• Buildings Cover

Standard Hospitality Insurance Cover can be extended for a number of sections to incorporate;

• Accidental Damage
• Terrorism etc

Please check our ‘Hospitality Insurance On-Line Proposal’ for all those options available. Should you want to alter the limits of each, or some of the elements listed in the Hospitality Insurance Policy this is possible.

If you’d prefer not to do this online and would rather talk in person, please telephone us on (01480) 402460 and talk to one of our Hospitality Insurance Advisors. We’ll be pleased to answer any questions and assist you with your quotation.

Hospitality Insurance quotes form

Please note that terms, conditions, excess and exclusions apply to all insurance policies. It is therefore important that you make sure you are receiving the coverage that you require before purchasing cover. A copy on the Insurance Policy Document or Policy Summary is readily available for download through the ‘Online Quotes’ page. You can do so by navigating the ‘Documents Tab’ and selecting the Policy or Summary that you want.

Again, if you want to discuss any aspect of the policy please contact our Hospitality Insurance Advisors on (01480) 402460.