Insurance Solutions for the Hospitality Industry

Helping protect restaurants, hotels, bars and leisure businesses from everyday risks

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Overview

The hospitality industry is vibrant but exposed to constant risks – ranging from customer injury and equipment breakdown to stock loss and reputational harm. Hospitality insurance helps businesses manage those exposures, supporting daily operations while ensuring continuity after unexpected events. Whether you run a hotel group, a chain of bars, or a restaurant franchise with hundreds of locations across high streets nationwide, tailored insurance is essential to protect your operations and manage risk. Core policies typically include public and employer’s liability, buildings and contents, stock cover, business interruption and equipment breakdown. Depending on the size and nature of your business, policies can be expanded to cover food safety claims, theft, seasonal fluctuations and event cancellations. At Brown & Brown, we help hospitality businesses build practical insurance solutions that reflect their environment and day-to-day responsibilities – so they can continue to focus on their guests and experiences.

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How We Can Help

Our Approach

At Brown & Brown, we support hospitality businesses of all sizes – from independent cafés to multi-site hotel groups – by sourcing insurance tailored to their day-to-day risks and operational complexity.

We start by understanding how your business runs: opening hours, staff numbers, turnover, stock levels, kitchen operations, licensing and footfall. This allows us to arrange a solution that includes the essentials – public and employer’s liability, building and contents, equipment breakdown and business interruption. We also help source add-ons for food safety liability, refrigeration failure, wine and spirit stock, and guest valuables.

Importance of Hospitality Insurance

Hospitality is a fast-moving sector. A single incident – such as a kitchen fire, customer injury or staff illness outbreak – can disrupt operations or damage reputation. We work with insurers experienced in the leisure trade to provide policies that reflect these pressures and offer responsive claims support when it matters most.

If you host events, offer accommodation, or run a licensed premises, we can help with  relevant risks like cancellation, alcohol liability or guest claims being addressed. We also help with seasonal fluctuations by sourcing flexible stock cover limits.

Our Support

We remain on hand beyond policy placement. Whether you’re launching a new venue, growing your brand or changing your business model, we’ll revisit your policy and keep it aligned to your goals. With Brown & Brown, you have a reliable insurance broker who understands the rhythm and demands of hospitality.

Solutions at
Every Stage

Let’s Find the Right Fit Together

Every situation is different, and your insurance should reflect that. Let’s connect and talk through options built with you in mind.

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Why Choose Us

Sector-Specific Broking

We understand hospitality pressures and source cover that reflects your pace, people and property.

Tailored Protection

From food safety to guest claims, we help design insurance suited to every part of your operation.

Ongoing Policy Guidance

As your venues evolve, we revisit your policy to keep it aligned with your growth and regulatory needs.

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Your Questions, Answered

What types of businesses need hospitality insurance?

Hospitality insurance applies to hotels, restaurants, cafés, pubs, nightclubs, guesthouses, B&Bs and catering firms. Any business providing food, drink or accommodation to the public carries specific liabilities. Brown & Brown helps identify the right mix of cover based on your service type, location and risk exposures.

What’s the difference between public liability and employer’s liability?

Public liability covers injury or damage claims made by customers or visitors – for example, a slip on a wet floor. Employer’s liability is legally required if you have staff and covers claims from employees for injury or illness at work. Both are essential for hospitality businesses and often form part of a combined package.

Can I get insurance that covers business interruption from equipment failure?

Yes. We can help arrange business interruption cover that responds to events like fire or flood, and also include extensions for equipment breakdown – such as kitchen appliances or refrigeration units. Brown & Brown helps to find cover that is tailored to your operational setup and risk tolerance.

How are premiums calculated for hospitality businesses?

Premiums are based on factors such as turnover, number of staff, claims history, trading hours, premises use and location. Businesses with alcohol licences or late hours may carry higher risks. Brown & Brown works with multiple insurers to find suitable terms at competitive prices and advises on steps to help manage premiums.