Hospitality, Leisure & Small Hospitality Business Combined Insurance

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Protect restaurants, cafés, bars, hotels, leisure venues & guest services with complete combined insurance tailored for the hospitality sector.

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We compare quotes from leading insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

TAILORED INSURANCE FOR HOSPITALITY & LEISURE BUSINESSES

  • PUBLIC LIABILITY

  • EMPLOYERS’ LIABILITY

  • BUSINESS INTERRUPTION

  • STOCK & EQUIPMENT COVER

Why Hospitality & Leisure Businesses Need Combined Insurance

Hospitality operations face high public footfall, employee exposures, stock spoilage risks, and dependency on continuity. A combined policy ensures you are protected across liability, property, guest safety, and financial loss.

Core Covers for Hospitality & Leisure

Designed for restaurants, cafés, hotels, bars, pubs, takeaways, leisure venues, fitness spaces, tourist attractions & guest accommodation providers.

  • Public Liability – protection if guests or customers are injured
  • Employers’ Liability – required by law for hospitality staff
  • Buildings & Contents – including fixtures, fittings & furniture
  • Stock & Perishables – food, beverages & goods held for sale
  • Business Interruption – protects income after insured damage
  • Products Liability – crucial for food & drink service
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Common Risks in Hospitality & Leisure

  • Slips, trips and falls involving guests or staff
  • Foodborne illness or contamination claims
  • Fire, flood or kitchen equipment failures
  • Theft of cash, stock or valuable equipment
  • Staff injury or illness in busy service environments
  • Loss of income due to closures or operational disruption
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Why Hospitality Businesses Choose Insure24

  • Specialist knowledge of hospitality risks
  • Fast claims handling and clear guidance
  • Competitive premiums for multi-cover bundles
  • Support for seasonal, part-time & shift-based operations
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Our restaurant suffered a burst pipe that shut us down for 10 days. Insure24 handled everything quickly - the business interruption cover was a lifesaver.

Maria L., Restaurant Owner

FREQUENTLY ASKED QUESTIONS

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What is Hospitality Combined Insurance?

It combines all essential covers needed by hospitality businesses into a single policy, including liability, property, stock, equipment and business interruption.

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Who is this cover suitable for?

Restaurants, cafés, pubs, bars, hotels, B&Bs, leisure centres, attractions, gyms, and small independent hospitality businesses.

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Does it include cover for food and drink risks?

Yes - product liability and food risk cover protect you against claims linked to foodborne illness or contamination.

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Does this policy cover business interruption?

Yes - business interruption can cover loss of income after insured events such as fire, flooding, equipment failure or other disruption.

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