Hospitality insurance is essential for any business in the hospitality sector, including restaurants, cafés, pubs, hotels, guesthouses, B&Bs, takeaways, and catering companies. If your business involves serving food, hosting guests, or managing customer-facing premises, having specialist hospitality insurance ensures you’re protected from sector-specific risks like food poisoning claims, property damage, or guest injuries.

Yes, comprehensive hospitality insurance typically includes cover for both employees and guests.

Employers’ Liability Insurance is often legally required in the UK if you have staff, protecting you against claims from workplace injuries or illness. Public Liability Insurance protects against claims from guests or visitors injured on your premises or due to your services. You can also add business interruption, stock cover, and contents insurance to fully protect your business operations.

Hospitality insurance is designed to cover the unique risks of the industry, including:

Slips, trips and falls involving guests or staff
Food poisoning or allergen-related claims
Fire or flood damage to your property
Theft of equipment or stock
Business interruption due to unforeseen closures

Accidents involving alcohol consumption (especially in pubs and bars) With the right hospitality policy, your business is protected from both financial loss and legal liability.

Absolutely. Hospitality insurance can be fully tailored to your specific business needs. At Insurance Revolution, we specialise in creating flexible policies for hospitality businesses of all sizes, ensuring you only pay for the cover you actually need.

Hospitality insurance can be slightly more expensive than standard business cover due to the higher risk environment, including food preparation, alcohol service, and high customer footfall. However, costs vary depending on your business type, size, turnover, claims history, and level of cover.