Hospitality insurance

Specialist cover, designed for hospitality

In the hospitality trade, keeping customers happy, safe and accounted for is essential, both for good business and minimal complaints. With Simply Business you can build a policy that protects you, your premises, and your customers, plus any contents, stock and tools. Even if you’re forced to close temporarily, there’s cover available to tide you over. Whether you work on your own or employ people, it’s quick, quality cover, all in one policy.

Cover from £6.81 a month, get insured in minutes. (10% of direct debit customers repay their annual policy in 10 monthly payments of £6.81 or less across all our trades insured. Based on data from 1 July - 31 December 2019, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

What insurance do hospitality businesses need

Public liability insurance is often a very important cover for hospitality businesses, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

Hospitality cover details

• Make sure you read your policy documents carefully and that you understand any exclusions that may apply
• If you employ people, even in your own home, you’re legally obliged to take out employers’ liability insurance. Not doing this could lead to a heavy fine

Another important consideration is your premises. Whether you run a pub or coffee shop, or a catering service from a small office, our business premises options will help take care of your most valuable assets, letting you get on with the job in hand.

Need more details? Hear more about your business cover options from our expert team in a quick insight into how each option can help your business. You can also check out our business insurance FAQs.