Hospitality Insurance
Flexible insurance for restaurants, pubs, cafés and hospitality businesses.
Dickson & Wilson Insurance Brokers
What Can Influence Your Hospitality Insurance Premium?
Hospitality businesses face a unique set of risks, from busy customer environments to food safety and property damage. Because every venue operates differently, insurance premiums are based on several factors related to how your business runs day to day.
Our team helps hospitality owners understand these risks and arrange cover that protects their premises, staff and customers while keeping costs under control.
Here are some of the main factors that can affect your hospitality insurance premium:
Type of hospitality business:
The type of venue you operate can influence insurance costs. Restaurants, pubs, cafés and hotels each have different levels of risk depending on food preparation, alcohol service and customer numbers.
Opening hours and trading activity:
Businesses that operate late at night or serve alcohol may face higher premiums due to increased risks such as accidents or property damage.
Size of premises and seating capacity:
The size of your venue and how many customers it can accommodate can impact insurance risk. Larger venues with higher footfall may require higher levels of cover.
Kitchen equipment and fire risk:
Commercial kitchens with grills, fryers and cooking equipment can increase fire risk. Insurers may consider safety measures such as extraction systems and fire suppression equipment.
Previous claims history:
Your business claims history can influence your insurance premium. Businesses with fewer past claims and strong safety procedures may benefit from more favourable terms.
Dickson & Wilson Insurance Brokers
Types of Hospitality Insurance Cover Available
Hospitality businesses often require several types of cover to protect their premises, employees and customers. Common options include:
Public Liability Insurance
Protects your business if a customer or visitor is injured on your premises or their property is damaged.
Employers Liability Insurance
Provides cover if an employee is injured or becomes ill because of their work.
Property and Buildings Insurance
Cover for your premises, fixtures and fittings against risks such as fire, storm or vandalism.
Stock Insurance
Protection for food, beverages and other stock stored on site.
Business Interruption Insurance
Helps cover loss of income if your business cannot trade due to an insured event such as fire or flooding.
Hospitilaty Insurance Extras
Additional Cover Options
Depending on your business, additional cover options can provide extra protection against common hospitality risks.
Equipment Breakdown Cover
Protection for essential equipment such as refrigeration units, kitchen appliances and bar equipment.
Loss of Licence Insurance
Helps cover loss of income if production stops due to an insured event such as fire or machinery damage.
Goods in Transit
Protection for stock or supplies being transported between suppliers and your premises.
Legal Expenses Cover
Support with legal costs and disputes related to your business operations.
Employers Practices Liability
Cover for claims related to workplace disputes, discrimination or employment issues.
Experienced Insurance Brokers
Our Promise to Hospitality Customers
At Dickson & Wilson, we believe we work better together.
With almost a century of collective experience and local experts across multiple branches, we provide clear advice and practical support for hospitality businesses. From arranging cover for busy venues to managing policies as your business grows, we are here to help you protect your premises, staff and customers.
If you are looking for hospitality insurance that offers flexibility, value and expert support, speak to our team today.
Hospitality Insurance
FAQs
What insurance do hospitality businesses need?
Most hospitality businesses require public liability insurance and employers liability insurance. Additional cover such as property insurance, stock cover and business interruption may also be important.
Do restaurants and pubs need public liability insurance?
Public liability insurance is not always legally required but is strongly recommended as it protects your business if a customer is injured on your premises.
Does hospitality insurance cover food poisoning claims?
Product or public liability insurance may provide protection if a customer becomes ill due to food served by your business.
Does hospitality insurance cover equipment breakdown?
Equipment breakdown cover can protect essential appliances such as refrigerators, ovens and kitchen equipment if they fail unexpectedly.