The hospitality sector encompasses an array of businesses from gastropubs to late night bars, boutique hotels to seaside B&Bs, each with bespoke requirements and the need for quality advice. While customers want value for money, hospitality businesses will also expect value for money from their suppliers and insurance is no different.
Bespoke tailored products for your business
Range of covers for all hospitality sectors
Insurance Times Independent Broker of the Year 2015/16
Non-standard risks covered
High-risk activities/businesses covered
The Alan Boswell Group Difference
It is our strong relationship with insurers and our experience of handling risks in this sector that allows us to accommodate all kinds of leisure business. We have a great standing with our insurance partners, with access to some unique schemes. Being independent we are not tied to any one insurer and will ensure that you get first-class service with the best cover for your business at competitive rates.
Customer service is excellent. Very helpful staff.
Ms Whightman - Pub & Restaurant Insurance
Hospitality Insurance in detail
Covers tend to include:
Public liability
Cover for injury to visitors/guests or third-party property caused by your business.
Employers' liability
Cover for accidents, injuries, or illness sustained by employees as a result of their work for you.
Business contents
Cover for buildings, fixtures, and fittings for your premises.
Event insurance
Cover for any events your business holds.
Legal expenses
Legal expenses cover for legal disputes in relation to your business e.g. contracts, employment etc.
There are many additional covers that will be applicable dependent on the type of business you operate.
Money and assault cover
Fidelity guarantee
Engineering cover and inspection
Loss of license
Many other covers can be added to your policy.
Employers’ liability is a must whether you have permanent, contract, or casual workers. Even if you have staff that are volunteers it is an essential cover.
The hospitality industry is incredibly varied and deemed high risk by insurance companies. It is therefore vitally important to share all activities you are sometimes involved in to ensure all your risks are covered.
FAQs
Yes, regardless of whether it is a charity event or not you will still require event insurance. However, your business insurance can often be extended to cover this.
Yes, this is possible although in some instances it may require a change of insurance provider dependent on how drastic the change of activity is.
Yes, there will be various excesses dependent on the cover you choose. These will be explained in advance of any purchase.
Yes, we can cover you. We will review the options and advise whether it is best to get a new policy or increase the cover on your current policy.
Yes you can, although it will often be better to have two separate policies tailored to each type of business. This ensures you are covered for the right risks specific to that industry.
Due to the varying factors it is impossible to state how much hospitality insurance costs.
Sam started his insurance career at Norwich Union (now Aviva) within the Motor Claims department. After moving around Aviva and holding a number of positions,…
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