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Hospitality insurance

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What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do claims work?
  • FAQs
  • Helpful articles

Hospitality business insurance – why is it important?

Those in hospitality have to juggle many tasks, so it's important to consider an insurance policy that can cover all the risks involved. With the right cover you can get back to business as normal. You can start with public liability insurance and build from there.

  • compare cover from expert UK brands and protect your business
  • rated 4.7/5 based on 39K+ public liability customer reviews
  • public and product liability between £1 million and £10 million

Start your quote

What does hospitality insurance cover?

Build a policy that covers the unique needs of hospitality business. Most businesses usually consider public liability insurance, which covers you if a member of the public gets injured or loses out financially and blames your business. From there, tailor your policy by adding covers that suit your business best.

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by hospitality business public liability insurance?

Claims against your business for:

  • damage to someone’s property, caused by your business activities
  • illness or injuries as a result of your business
  • employees causing accidental damage or injuries

For example:

  • while hosting a meeting, you leave a cable running across the open office floor and your client trips, spraining their ankle
  • you serve a client sandwiches with a trace of sesame seeds, causing an allergic reaction
  • your employee drops heavy equipment on your client’s floor, causing extensive damage

**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:

  • injuries to staff (including casual labourers and contractors) that are caused as a result of your business
  • illness suffered by an employee (including temps and casual workers) caused by working for you

**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:

  • your office manager breaks their finger while trying to close a faulty window at your business premises
  • your receptionist trips over a cable running across the floor of your office, breaking their ankle
  • a temp worker scratches their arm on one of your tools, and the injury becomes infected

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 to your contents or business equipment
  • destruction or damage caused by theft and vandalism, as well as fire and flood

For example:

  • a vintage glass cabinet is badly damaged following a break-in at your premises
  • a leaking radiator damages some office furniture, which needs replacing or restoring
  • the camera you use to take photographs of stock is stolen from your office

Read more about business contents insurance

Business legal insurance

In case you’re hit with legal expenses connected to your hospitality business.

Claims against your business for:

  • a dispute relating to debt recovery, including judgement enforcements
  • an investigation into your tax affairs
  • someone using your company’s identity illegally

For example:

  • one of your clients has informed you that they believe you haven’t met the contractual requirements of their purchase agreement, and they’re refusing to pay an outstanding invoice
  • HMRC investigates your recent tax return, triggered by a fluctuation in your business income
  • someone gets hold of your company bank details and uses them to buy goods and services

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

Claims against your business for:

  • accidental death or injury, suffered by anyone covered on your policy, that happens at work or elsewhere
  • income lost by your business, as well as medical costs and hospitalisation benefit

For example:

  • while on holiday with your family, you trip and fall on some rocks, spraining your wrist and preventing you from working the following week
  • your secretary (who you’ve covered) suffers a leg injury while swimming at the weekend, and needs time off work for physiotherapy
  • a junior staff member covered on the policy is in a minor car accident at the weekend, and needs to take some time off to recover

Read more about personal accident insurance

Stock insurance

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

  • loss, damage or theft of essential stock
  • destruction of stock caused by fire or flood
  • the cost of replacing items that you’re going to sell

For example :

  • a fire in your shop destroys key stock
  • your stockroom gets flooded by a leaking pipe
  • someone breaks into your shop, stealing stock and damaging stock they leave behind

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 your business tools and equipment
  • theft of the tools you use for your business
  • loss of your business tools

For example:

  • your tools are stolen from your car or van
  • you lose some expensive equipment on the way to a job
  • a flood causes irreparable damage to your business tools

Read more about tool insurance

Buildings insurance

In case something happens to your business premises.

What’s typically covered by business building insurance?

Claims against your business for:

  • repair and rebuild costs after damage caused by a storm, fire, or vandalism
  • fittings and fixtures that get damaged
  • underground pipes and cables, if you’re responsible for them

For example:

  • someone tries to force entry into your shop, damaging the door, which needs replacing
  • a burst pipe causes water damage to floorboards and walls – they need to be replaced
  • equipment catches fire and damages your building, which will need to be completely rebuilt

Read more about business buildings 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:

  • when you make a claim on a cover included in your business insurance policy, you won’t need to pay excess

For example :

  • strong winds cause severe damage to the roof of your property – you don’t have to pay the £250 excess thanks to your excess insurance
  • a guest accidentally breaks a television during their stay at your property and thanks to your excess insurance, you don’t need to pay excess on the claim
  • a guest’s child trips on a loose carpet and breaks their arm – they claim compensation and you don’t pay excess due to your excess insurance

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 hospitality business insurance 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 £3.49 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

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*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.

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

Main building

£200

£400

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.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

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    Get your documents the same day

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How do insurance claims work for xTRADEx?

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.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

The figure above is rounded across our range of products. "Settled" covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.

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 business 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.

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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