Specialist commercial insurance for hotels, restaurants, leisure venues, and guest-facing businesses operating in fast-paced, high-footfall environments. Working in partnership with you to build an insurance programme that protects operations, staff, guests, and revenue across the hospitality industry.
Sector expertise
Specialist insight into the operational, regulatory, and reputational risks facing hospitality operators, from independent venues to multi-site groups.
Tailored insurance programmes
Bespoke restaurant business insurance, hotel insurance, and leisure cover aligned to your business’s requirements.
Support for complex operations
Experience supporting high-footfall venues, late trading, alcohol service, live events, and food-led operations.
Claims and incident support
Responsive support when incidents occur, helping minimise disruption to guests, staff, and revenue from our dedicated claims team.
Scalable solutions
Programmes that adapt as businesses grow, diversify, or expand across multiple locations.
Key Risks.
Guest injury and on-site accidents
Accidents and injuries involving guests arising from environmental conditions, housekeeping activity, congestion, and high footfall in guest-facing areas.
Our clients
Who is it for?
We arrange insurance for hospitality businesses across a wide range of operations, including but not limited to:
Hotels and serviced apartments
Restaurants, cafés, and fine dining venues
Pubs, bars, and clubs
Event venues and function spaces
Catering companies and mobile food operators
Leisure facilities and visitor attractions
Food courts and franchise operators
Boutique and independent accommodation providers
Hotels and serviced apartments
Restaurants, cafés, and fine dining venues
Pubs, bars, and clubs
Event venues and function spaces
Catering companies and mobile food operators
Leisure facilities and visitor attractions
Food courts and franchise operators
Boutique and independent accommodation providers
We’ve got you covered
Related products and covers
Our approach is tailored to each business we work with. Typical covers we look at for hospitality businesses include:
Property All Risk
Protection for buildings, contents, fixtures, fittings, and operational assets.
Public and Products Liability
Cover for guest injury, illness, or third-party property damage.
Business Interruption
Protection for lost revenue following insured damage or disruption.
Employers’ Liability/Workers Injury Compensation
Cover for employee injury or illness arising from their work.
Cyber insurance
Protection against cyberattacks, data breaches, payment fraud, and system outages.
Employment Practices Liability
Protection against claims relating to workplace disputes, discrimination, or misconduct.
Specialist Restaurant and Hotel Programmes
Including insurance for hotels and tailored private insurance coverage for restaurants operating single or multiple locations.
Related products and covers.
Our approach is tailored to each business we work with. Typical covers we look at for hospitality businesses include:
Property All Risk
Protection for buildings, contents, fixtures, fittings, and operational assets.
Case Study
Chelmsford Star
Chelmsford Star has 43 food outlets and a couple of department stores, so are aware that they are likely to be making claims from members of the public...
Case Study
It's all in the service with Allan Reeder Ltd
Allan Reeder Ltd partners with Specialist Risk Insurance Solutions for tailored Trade Credit insurance, enhancing their coverage and maintaining strong customer relationships.
Case Study
Hospitality
A hospitality client had standard Business Interruption cover that was insufficient for their requirements to support large establishments