Hospitality & Food
Insurance built around how hospitality businesses actually operate.
For restaurants, cafés, takeaway shops, food retailers, caterers, small manufacturers and wholesalers, risk is tied closely to equipment, premises and day-to-day operations.
Situations we commonly see
- Fire
- Deep frying
- Cool rooms
- Equipment breakdown
- Stock deterioration
- Glass
- Liability
- Delivery
- Business interruption
- Lease insurance requirements
Insurance areas to consider
Suitability depends on individual circumstances — the categories below are a starting point for a conversation, not a recommendation.
- Property insurance
- Equipment breakdown
- Public liability
- Business interruption
- Glass cover
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Frequently asked questions
Does contents include stock?
This depends on the policy and how stock is defined — it should be confirmed rather than assumed.
Is equipment breakdown automatic?
No — equipment breakdown is typically a separate consideration from standard property cover, not an automatic inclusion.
What happens if a technician cannot confirm the cause?
Claims often depend on evidence of cause. Where a technician cannot confirm it, the claim may require further investigation before it can progress.
Does a lease insurance requirement determine the correct cover?
A lease requirement sets a minimum, but it does not automatically mean that cover level is suitable for the business's actual risk.
Information on this website is general in nature and does not take into account your objectives, financial situation or needs. Cover is subject to insurer acceptance, policy terms, conditions, limits and exclusions. You should review the relevant policy documents and seek advice appropriate to your circumstances before making a decision.