Insurance for hospitality industry
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Rated 4.7/5
Based on 39,717 reviews
Claims paid in 24 hours
For 80% of settled claims
Hospitality industry insurance – why is it important?
Your guests expect the highest standards of service, but of course accidents and mistakes can happen. The good news? Business insurance is there to help cover the cost of a claim, whether that’s a result of an accident, a fire on your premises, or another unexpected event.
- liability insurance for hospitality industry, including public and employee risks
- rated 4.7/5 based on 39K+ public liability customer reviews
- trusted by over 900,000 small UK businesses for flexible, tailored cover
What does insurance for hospitality industry cover?
Public liability insurance is usually a key cover for many businesses. It protects your business against compensation claims if a member of the public gets injured or loses out financially. Beyond that, tailor your policy to your needs as a business, adding covers as you need them.
Public liability insurance
In case your business and products cause an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your hospitality business
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
Business legal insurance
In case you’re hit with legal expenses connected to your business.
Stock insurance
In case something happens to your products and consumables.
Tool insurance
In case your tools are lost, stolen or damaged.
Excess insurance
In case you need to make a claim on your insurance policy.
Public liability insurance
In case your business and products cause an injury or property damage.
What’s typically covered by public liability insurance for hospitality industry?
Claims against your business for:
- any injury or illness caused by you at work, or because of your work
- property damage caused by your business
- injuries or accidental damage caused by one of your employees, if you have any
For example:
- you spill hot coffee on a client’s laptop, scolding their arm and damaging the laptop screen
- you accidentally scratch the flooring in the venue you’re working in
- your employee leaves a trailing wire, causing someone to trip and twist their ankle
**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**
Read more about public liability insurance
Employers’ liability insurance
In case anyone gets ill or injured while working for your hospitality business
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an injury to someone you employ, including contractors and temps, that happens as a result of working for you
- a member of staff (including casual workers) falling ill due to your business
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- one of your employees falls down some stairs in your business premises, and makes a claim against you for chronic shoulder pain
- a temporary employee traps their hand in a door at your premises, causing several fractures
- a member of staff trips on a ledge on their way to a meeting, injuring their hip
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
What’s typically covered by business contents insurance?
Claims against your business for:
- damage and destruction caused by flood, fire, vandalism, or theft
- cover for your contents and the equipment needed to run your business
For example:
- a flood spreads to your office floor and means you need to replace several desk chairs
- your photocopier and fax machine are badly damaged during a break-in
- four business smartphones are stolen from your premises
Read more about busines contents insurance
Business legal insurance
In case you’re hit with legal expenses connected to your business.
What’s typically covered by business legal insurance?
Claims against your business for:
- costs and expenses for legal representation to recover debts or unpaid invoices
- costs and expenses following identity theft
- tax protection if there’s an investigation into your business
For example:
- one of your clients is unhappy with your work and believes you haven’t met the contractual requirements – as a result they’re refusing to pay their outstanding invoice
- your CEO’s contact details are used by a fraudster to set up a new line of credit with a business bank
- HMRC is investigating your recent tax return as they noticed a fluctuation in your business income
Read more about business legal insurance
Stock insurance
In case something happens to your products and consumables.
What’s typically covered by stock insurance?
Claims against your business for:
- theft or vandalism to your stock
- other loss or damage to your stock, for example through fires or floods
- essential stock that you need to sell in order to operate
For example :
- your equipment is faulty, causing fresh produce that you keep as stock to go off
- water from a flood destroys stock and you have to throw it away
- a thief clears out your stockroom – you have to replace stock quickly to operate
Read more about stock insurance
Tool insurance
In case your tools are lost, stolen or damaged.
What’s typically covered by tool insurance?
Claims against your business for:
accidental damage to specialist business equipment
theft of the tools you use to do your job
loss of your tools and equipment
For example:
- your business tools are damaged in a fire or flood
- your equipment is stolen while you're on the job
- you lose your [TRADE] tools and equipment while travelling
Read more about tool insurance
Excess insurance
In case you need to make a claim on your insurance policy.
What's typically covered by excess insurance?
Claims made by you for:
- the cost of the excess you’d have to pay when making a claim on a cover included in your business insurance policy
For example :
- after a heavy storm you need to make a claim on your building cover – you don’t have to pay the £250 excess thanks to your excess insurance
- a leak in the bathroom causes a guest to slip and injure themselves and thanks to excess cover, there’s no excess to pay on the claim
- a tenant’s suitcase scratches the wooden flooring in your hallway – you won't have to pay any excess on your accidental damage claim
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does insurance for hospitality industry cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £3.19 per month
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10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | No excess | £750 |
Employers' liability | No excess | No excess |
Contents | £200 | £4,000 |
Stock | £200 | £4,000 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
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How do insurance claims work for the hospitality industry?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£39 million in claims paid out in 2022
Paying 80% of settled claims within 24 hours in 2022
The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Chosen by 900,000 small businesses and landlords
We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.
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Hospitality industry insurance FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.
If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
Make sure you’re covered for the services you provide:
- View all business insurance covers
The types of businesses we insure:
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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