Hotels, restaurants, and hospitality venues store extensive guest information including names, addresses, contact details, payment card data, and booking histories. A data breach exposing this information triggers mandatory GDPR notifications, potential regulatory fines up to 4% of revenue, and severe reputational damage.

• Guest personal information exposure
• Payment card data theft (PCI DSS violations)
• Booking history and preferences leaked
• GDPR notification and compliance costs
• Regulatory fines and penalties
• Loss of customer trust and bookings

Hospitality businesses process hundreds or thousands of payment transactions daily through point-of-sale systems, online booking platforms, and mobile payment apps. Compromised payment systems expose card data, leading to fraud, chargebacks, and potential loss of payment processing capabilities.

• Point-of-sale system compromise
• Card skimming and data theft
• Online payment platform breaches
• Fraudulent transactions and chargebacks
• PCI DSS compliance failures
• Loss of payment processing privileges

• Data Breach Response - Forensic investigation, guest notification, credit monitoring, and regulatory compliance support following a breach
• Cyber Liability - Protection against claims from guests whose data was compromised, including legal defence and settlement costs
• Business Interruption - Coverage for lost revenue and ongoing expenses when cyber attacks disrupt reservation systems or operations
• Ransomware Coverage - Ransom negotiation, payment, data recovery, and system restoration costs following ransomware attacks
• Payment Card Fraud - Coverage for fraudulent transactions, PCI DSS fines, forensic investigation, and card reissuance costs
• Network Security Liability - Protection when security failures at your business impact guests, partners, or connected systems
• Regulatory Defence - Legal representation and support for ICO investigations, GDPR compliance, and regulatory proceedings
• Crisis Management - Public relations support to protect your reputation and maintain guest confidence after incidents
• Dependent Business Interruption - Coverage when third-party vendor breaches disrupt your operations
• Social Engineering - Protection against CEO fraud, invoice scams, and fraudulent payment requests

Ransomware specifically targeting hotel property management systems has become increasingly common. Attackers know that hotels cannot operate without access to reservation data, room assignments, and guest information, making them likely to pay ransoms quickly. Recent attacks have demanded ransoms exceeding £100,000.

• Property management system encryption
• Guest check-in/check-out impossible
• Room assignment data locked
• Complete operational paralysis
• Ransom demands of £50,000-£250,000
• Recovery costs exceeding £100,000

Hospitality staff are frequent targets of phishing attacks designed to steal login credentials for reservation systems, payment platforms, and guest databases. CEO fraud targeting finance staff has resulted in fraudulent wire transfers exceeding £50,000. These attacks exploit the fast-paced, customer-service-focused environment of hospitality businesses.

• Credential theft via phishing emails
• CEO fraud and wire transfer scams
• Fake booking confirmation emails
• Vendor invoice fraud
• Compromised email accounts
• Fraudulent payment requests

• Ransom payments: £20,000 - £250,000
• Forensic investigation: £10,000 - £75,000
• Guest notification costs: £5,000 - £50,000
• Credit monitoring services: £10 - £30 per affected guest
• System restoration: £25,000 - £150,000
• Legal and regulatory defence: £20,000 - £150,000
• PCI DSS fines: £5,000 - £500,000
• GDPR penalties: Up to 4% of annual revenue
• Public relations and crisis management: £15,000 - £100,000

Hotels, boutique properties, serviced apartments, and B&Bs face unique cyber risks from property management systems, online booking platforms, and extensive guest data storage.

• Property management system protection
• Guest database security
• OTA integration vulnerabilities
• Keycard system security
• In-room technology risks
• Wi-Fi network security
• Loyalty program data protection

Pubs, bars, nightclubs, and entertainment venues handle high-volume transactions, event ticketing, and customer data requiring robust cyber protection.

• High-volume transaction security
• Event ticketing system protection
• Customer loyalty programs
• Entertainment booking platforms
• Multiple location coordination
• Staff access management
• Payment terminal security

Situation: A boutique hotel group operating five properties experienced a ransomware attack that encrypted their property management system, locking staff out of all reservation data, room assignments, and guest information across all locations.

Impact: The attack occurred during peak summer season. Without cyber insurance, recovery costs would have exceeded £180,000, plus estimated daily revenue losses of £25,000 across all properties.

Resolution: Cyber insurance immediately activated incident response, covered ransom negotiation and payment of £45,000, funded system restoration, and compensated for business interruption losses totalling £75,000. The hotel group resumed full operations within 36 hours with minimal guest disruption.

Situation: An independent hotel's finance manager received an email appearing to be from the owner requesting an urgent wire transfer of £65,000 to a supplier. The email was sophisticated CEO fraud, and the transfer was completed before detection.

Impact: The fraudulent transfer represented a significant portion of the hotel's working capital during a critical refurbishment period.

Resolution: Cyber insurance social engineering coverage reimbursed the full £65,000 fraudulent transfer and provided incident response support to prevent future attacks, including staff training and email security improvements.

The General Data Protection Regulation imposes strict requirements on how hospitality businesses collect, store, and protect guest personal information. Breaches must be reported to the ICO within 72 hours, and affected individuals must be notified. Fines can reach up to 4% of annual global revenue or £17.5 million, whichever is higher.

• Guest data protection requirements
• Breach notification obligations
• Data processing documentation
• Customer consent management
• Right to erasure compliance
• ICO investigation support

• Secure all Wi-Fi networks with strong encryption
• Implement PCI DSS compliant payment systems
• Use multi-factor authentication for all systems
• Regularly update property management software
• Deploy firewalls and intrusion detection
• Encrypt guest data at rest and in transit
• Maintain automated daily backups
• Segment networks to isolate critical systems
• Monitor systems for suspicious activity
• Secure point-of-sale terminals

• 1. Contact Insure24 - Call 0330 127 2333 or request a quote online with details about your hospitality business type, size, and operations
• 2. Risk Assessment - We evaluate your current security measures, systems, data storage, and specific hospitality sector risks
• 3. Tailored Quote - Receive a customized quote with coverage recommendations based on your unique risk profile and budget
• 4. Coverage Review - Our specialists explain coverage options, limits, and exclusions specific to hospitality businesses
• 5. Policy Customization - Adjust coverage levels, add optional protections, and tailor the policy to your exact needs
• 6. Purchase and Activation - Complete your purchase and receive immediate coverage confirmation and policy documents
• 7. Ongoing Support - Access 24/7 incident response, regular risk assessments, and dedicated claims support

Ideal for: Small independent hotels, B&Bs, cafes, and single-location restaurants

• Data breach response (up to £100,000)
• Cyber liability (up to £250,000)
• Business interruption (up to £50,000)
• Ransomware coverage (up to £100,000)
• Payment card fraud (up to £50,000)
• 24/7 incident response hotline
• Basic regulatory compliance support

Ideal for: Large hotel groups, major restaurant chains, and extensive hospitality operations

• Data breach response (up to £2,000,000)
• Cyber liability (up to £5,000,000)
• Business interruption (up to £1,000,000)
• Ransomware coverage (up to £2,000,000)
• Payment card fraud (up to £1,000,000)
• Social engineering (up to £500,000)
• Comprehensive regulatory defence
• Dedicated incident response team
• Quarterly security assessments
• Threat intelligence monitoring