Public liability, employers’ liability and licensing cover built for restaurants, pubs, hotels and every food and drink business in between.
Public liability, employers’ liability and licensing cover built for restaurants, pubs, hotels and every food and drink business in between.
Stock & contentsFood servedBusiness interruption
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Hospitality insurance is a combination of covers built around serving food, drink and guests, public liability for customer injury, employers’ liability if you have staff, and cover for stock, equipment and lost income if you have to close.
If you sell alcohol or serve hot food late, your premises licence application itself usually asks for proof of public liability cover before you’re approved.
The right hospitality cover depends on:
Whether you serve alcoholKitchen equipment and cookingNumber of covers or bedsStock and perishable goodsOutdoor or beer garden spaceNumber of sites
Whether you run a restaurant, pub, café, takeaway or mobile food business, the right cover depends on how and where you serve customers.
A few more venue types
A few more venue types
These are also covered, in case your business is one of them.
These are also covered, in case your business is one of them.
Most hospitality businesses combine public liability, employers’ liability, stock and contents cover, with business interruption for when you can’t trade.
Your premises licence and your insurance
If you sell alcohol, serve hot food between 11pm and 5am, or put on entertainment, you need a premises licence from your local council, separate from your business insurance, but closely linked to it.
Licensing typically requires:
A premises licence for the venue itselfA personal licence for your Designated Premises SupervisorProof of public liability insuranceCompliance with the Licensing Act 2003Loss of licence cover, if you sell alcoholRenewal ahead of any changes to your operation
How to get hospitality insurance
How to get hospitality insurance
Getting hospitality insurance takes four steps: tell us about your venue, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting hospitality insurance takes four steps: tell us about your venue, choose your covers, compare specialist insurers, then get covered, often the same day.
Tell us about your venue
What you serve, and whether you sell alcohol.
Choose your covers
Public liability, stock and any extras you need.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Hospitality insurance guides
Hospitality insurance guides
Premises licences, food hygiene and keeping a venue trading after a setback.
Premises licences, food hygiene and keeping a venue trading after a setback.
5 Hidden Hospitality Insurance Costs (And How to Avoid Under‑Insuring)
Hospitality businesses in the UK, including restaurants, hotels, cafés, and pubs, often face unique risks that can affect their operations and financial security. While many owners arrange essential cover, some may encounter unexpected insurance costs or unknowingly leave themselves under-insured.
How to Protect Your Venue: Commercial Hospitality Insurance
Running a venue in the hospitality industry can bring a variety of opportunities, but it may also expose businesses to unique risks. Whether managing a restaurant, hotel, café, bar, or event space, having the right commercial hospitality insurance in place could help protect against financial loss from unexpected incidents.
Hospitality insurance FAQs
Hospitality insurance FAQs
Straight answers on cover, licensing and what different venues need.
Straight answers on cover, licensing and what different venues need.
Hospitality insurance is a combination of covers built around serving food, drink and guests: public liability for customer injury, employers’ liability if you have staff, and cover for stock, equipment and lost income if you have to close.
Still have questions?
Our advisers are here to help you find the right solution.
