Pubs, Bars & Restaurants Insurance

Like many businesses, the hospitality sector, which includes restaurants, take-aways, cafés and pubs, has a unique set of issues to bear in mind when it comes to insurance cover. This public facing sector needs insurance that is designed to cover any potential risks that working with the public might incur. Slips, trips and falls by employees or customers may cause you to be held liable for legal costs and compensation, as might incidents such as food poisoning or severe allergic reactions. Similarly, you need cover for fire, theft and flood damage or situations such as freezer breakdown, causing catastrophic stock loss. A standard business insurance policy is unlikely to provide the breadth of cover needed.


We can support you with:

• Public Liability – If a member of the public is injured or there is damage to a third-party’s property, this covers you for claims and legal expenses. 

• Employers’ Liability – A legal requirement if you have people working for you. Covers against claims from injury involving members of staff.

• Product Liability – Covers you for damage caused by products, such as food or drink that you supply.

• Contents Insurance – Covers damage to your fixtures, fittings, equipment, etc. Note that glass and sanitary fittings may require specific cover, as they are vulnerable to damage.

• Business Interruption cover – If your business had to close, perhaps due to fire or flood, this cover provides back-up to support the loss of income that you would have earned during that period.

• Stock and equipment cover – this is important cover to fund the replacement of damaged or lost stock or equipment that has been damaged or stolen. Consider a seasonal adjustment during months when stock levels are higher. 

• Money Cover – If cash is stolen from the premises, this cover is there to protect you.

• Goods in Transit – Cover for damage or loss to goods whilst being carried in your vehicle.

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