{"id":33664,"date":"2025-10-29T09:11:08","date_gmt":"2025-10-29T14:11:08","guid":{"rendered":"https:\/\/www.bbrown.com\/?page_id=33664"},"modified":"2025-12-11T03:56:23","modified_gmt":"2025-12-11T09:56:23","slug":"hospitality","status":"publish","type":"page","link":"https:\/\/www.bbrown.com\/uk\/ind\/hospitality\/","title":{"rendered":"Solutions for the Hospitality Industry"},"content":{"rendered":"

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\n Solutions for the Hospitality Industry\n <\/h1>\n\t

Helping protect restaurants, hotels, bars and leisure businesses from everyday risks<\/p>\n <\/div>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tRequest a Quote<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\n[\/vc_column][\/vc_row][vc_section][vc_row][vc_column]
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Overview<\/h3>\n
\n 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\u2019s 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. <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n[vc_empty_space][vc_column_text css=””]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.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]\n
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Ready to help minimise your risk and uncertainty?<\/p>\n

\n Fill In Our Quick Form Today for a Quote.\n <\/h2>\n\t\n <\/div>\t
\n\t\t\t\t\t\n\t\t\t\tRequest a Quote<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n[\/vc_column][\/vc_row][\/vc_section][vc_section section_padding_top=”pt-0″ section_padding_bottom=”pb-0″ full_width=”stretch_row” css=”.vc_custom_1760957173202{margin-bottom: 0px !important;background-color: #EAEAEC !important;}”][vc_row][vc_column]\n
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\n How We Can Help\n <\/h2>\n\t\n <\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_tta_tabs spacing=”3″ active_section=”1″][vc_tta_section title=”Our Approach” tab_id=”1760959622837-5e9dd437-6c1c”][vc_column_text css=”.vc_custom_1761746185615{padding-top: 24px !important;}”]At Brown & Brown, we support hospitality businesses of all sizes – from independent caf\u00e9s to multi-site hotel groups – by sourcing insurance tailored to their day-to-day risks and operational complexity.<\/p>\n

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\u2019s 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.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Importance of Hospitality Insurance” tab_id=”1760959637714-7d6630f3-1658″][vc_column_text css=”.vc_custom_1761746271509{padding-top: 24px !important;}”]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.<\/p>\n

If you host events, offer accommodation, or run a licensed premises, we can help with\u00a0 relevant risks like cancellation, alcohol liability or guest claims being addressed. We also help with seasonal fluctuations by sourcing flexible stock cover limits.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Our Support” tab_id=”1761746159908-32b7d302-e486″][vc_column_text css=”.vc_custom_1762421594242{padding-top: 24px !important;}”]We remain on hand beyond policy placement. Whether you\u2019re launching a new venue, growing your brand or changing your business model, we\u2019ll 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.[\/vc_column_text][\/vc_tta_section][\/vc_tta_tabs][\/vc_column][\/vc_row][\/vc_section][vc_row row_padding_bottom=”pb-4″ full_width=”stretch_row” content_placement=”middle” css=”.vc_custom_1741088111883{background: #002855 url(https:\/\/www.bbrown.com\/wp-content\/uploads\/2025\/02\/4be645659cbbb0f3bbb6de6614f07be2.png?id=12053) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” row_title=”New CTA”][vc_column width=”1\/2″]\n

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\n Solutions at
\nEvery Stage\n <\/h2>\n\t\n <\/div>[\/vc_column][vc_column column_padding_bottom=”pb-0″ width=”1\/2″]\n
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\n Let\u2019s Find the Right Fit Together\n <\/h3>\n\t\n <\/div>[vc_column_text css=”” el_class=”text-white”]Every situation is different, and your insurance should reflect that. Let\u2019s connect and talk through options built with you in mind.[\/vc_column_text]\t
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\n Why Choose Us\n <\/h2>\n\t\n <\/div>[\/vc_column][\/vc_row][vc_row row_padding_top=”pt-2″ row_padding_bottom=”pb-2″ full_width=”stretch_row” row_type=”bg-overlay” row_overlay_color=”bg-transparent-white”][vc_column width=”1\/3″]
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Sector-Specific Broking<\/h3>\n
We understand hospitality pressures and source cover that reflects your pace, people and property.<\/div>\n\n \n <\/div>\n <\/div>\n <\/div>\n\n [\/vc_column][vc_column width=”1\/3″]
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Tailored Protection<\/h3>\n
From food safety to guest claims, we help design insurance suited to every part of your operation.<\/div>\n\n \n <\/div>\n <\/div>\n <\/div>\n\n [\/vc_column][vc_column width=”1\/3″]
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Ongoing Policy Guidance<\/h3>\n
As your venues evolve, we revisit your policy to keep it aligned with your growth and regulatory needs.<\/div>\n\n \n <\/div>\n <\/div>\n <\/div>\n\n [\/vc_column][\/vc_row][\/vc_section][vc_section section_padding_top=”pt-0″ section_padding_bottom=”pb-0″ el_id=”form”][vc_row row_title=”50\/50 Text and Form”][vc_column width=”1\/2″]\n
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\n Request a Quote\n <\/h2>\n\t\n <\/div>[vc_empty_space height=”16px”][vc_column_text css=””]<\/p>\n
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  • Simple & Efficient \u2013 Request a quote now<\/li>\n
  • Trusted Advisors \u2013 Nationwide specialists<\/li>\n
  • Exceptional Service \u2013 Rated by real customers on Feefo<\/li>\n<\/ul>\n

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    \n Your Questions, Answered\n <\/h2>\n\t\n <\/div>[vc_tta_accordion][vc_tta_section title=”What types of businesses need hospitality insurance?” tab_id=”1759938794153-b1e344a8-254a”][vc_column_text css=””]Hospitality insurance applies to hotels, restaurants, caf\u00e9s, 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.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”What\u2019s the difference between public liability and employer\u2019s liability?” tab_id=”1759938794177-302328c1-6f89″][vc_column_text css=””]Public liability covers injury or damage claims made by customers or visitors – for example, a slip on a wet floor. Employer\u2019s 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.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Can I get insurance that covers business interruption from equipment failure?” tab_id=”1759938794195-68a11cc8-923c”][vc_column_text css=””]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.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”How are premiums calculated for hospitality businesses?” tab_id=”1759938794218-7c12178f-e307″][vc_column_text css=””]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.[\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][\/vc_row][\/vc_section][vc_section][vc_row row_title=”Feefo Carousel”][vc_column][vc_raw_html css=””]JTNDZGl2JTIwaWQlM0QlMjJmZWVmby1zZXJ2aWNlLXJldmlldy1jYXJvdXNlbC13aWRnZXRJZCUyMiUyMGNsYXNzJTNEJTIyZmVlZm8tcmV2aWV3LWNhcm91c2VsLXdpZGdldC1zZXJ2aWNlJTIyJTNFJTNDJTJGZGl2JTNF[\/vc_raw_html][\/vc_column][\/vc_row][\/vc_section]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

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