Restaurants and Hospitality

Our interest in this sector stems from an affinity between our approach and those of the owners and managers of the types of restaurants, bars, pubs and hotels that we insure – an appreciation of the importance of attention to detail and that to provide a high quality product or service requires expertise and an investment of time.

There are numerous ‘package’ policies available in the UK insurance market which can broadly address the insurance needs of the hospitality sector – our differentiator comes in talking to our clients about their business and what makes it unique, rather than trying to make them fit a homogenised insurance product. We can then review the numerous insurers available to us to assess who can provide the most appropriate cover, on the best terms and at the most competitive premium. As standard, we deal with insurers who can address the following fundamental covers:

  • Property Insurance
  • Loss of Profit/Revenue (including specialist advice on how to calculate these figures, and the implications of service charges/tronc)
  • Employers, Public and Products Liability
  • Stock (including wine on an agreed value basis if required)
  • Breakdown of refrigeration devices/deterioration of stock
  • Money
  • Loss of License
  • Legal Expenses
  • Theft by employee

In addition to the above, our standing as an independent general insurance broker means we can fill in any gaps in the cover with specialist products, such as:

  • Fine Art Collections
  • Personal Accident for key staff
  • Directors’ and Officers’ Liability
  • Employment Practices Liability

Finally, as well as insurance solutions we are able to assist our clients with:

  • Health and Safety
  • Risk Assessments
  • Regulatory Updates
  • Key Man Insurance (of particular relevance to establishments holding Michelin stars)
  • Pension Schemes