Hospitality insurance

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:

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.

What’s typically covered by business legal insurance?

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