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Hospitality Insurance
Hospitality Insurance
Specialist hospitality insurance for UK hotels, restaurants, pubs, and leisure venues. Taurus arranges comprehensive hotel insurance, restaurant insurance, and public liability cover designed to protect your premises, staff, and guests.
Hospitality Protection
Get a hospitality insurance quote
Tell us about your venue, operations, and cover requirements and we will prepare a hospitality insurance quote. We compare cover from leading UK insurers and aim to respond within 24 hours.
About the Cover
About Hospitality Insurance
Hospitality insurance covers the property, liability, business interruption and employer risks specific to hotels, restaurants, bars, pubs and other venues serving the public, helping secure the right insurance coverage and broader insurance coverage for each operation. It needs to reflect the realities of the hospitality sector, where insurers often view firms as high risk because day to day risks can quickly affect business operations through high public footfall, food and drink service, licensed premises obligations, and the operational reality of a business that's rarely closed and rarely quiet.
Multi-site operators face an additional layer of complexity: cover needs to reflect each business type across sites with different premises, different local risk factors and sometimes different formats, while still working as one coherent programme rather than disconnected insurance policies. That structure often calls for specialist commercial insurance that also accounts for contractual requirements across leases, suppliers, lenders and venue agreements.
Venue Coverage
Hospitality Venues We Cover
Our hospitality insurance solutions are designed to protect businesses across all sectors of the hospitality industry, from intimate restaurants to large hotels and event venues.
Hotels and accommodation
Restaurants and cafes
Pubs, bars, and nightclubs
Event venues and function halls
Catering businesses
Fast food and takeaway outlets
Wedding venues
Conference and meeting facilities
Key Risk Considerations
Understanding the unique risks facing hospitality businesses is essential for proper insurance protection.
Customer Safety
Slip and fall accidents, food allergies, and premises-related injuries are common in hospitality.
Food Safety
Food poisoning, contamination, and allergen management present significant liability exposures.
Alcohol Service
Over-serving alcohol or serving minors can result in serious legal and financial consequences.
Entertainment Risks
Live music, events, and entertainment activities create additional liability exposures.
Insurance Products
Core Hospitality Insurance Products
Comprehensive coverage designed specifically for the hospitality industry's unique operational risks and liability exposures.
Public Liability Insurance
Essential protection against claims from customers who suffer injury or property damage while on your premises or as a result of your business activities. Covers entertainment-related incidents too.
Employers' Liability Insurance
Legally required coverage protecting your business against compensation claims from employees who are injured or become ill due to their work.
Business Interruption Insurance
Covers loss of income and ongoing expenses when your hospitality business is forced to close or reduce operations due to covered incidents.
Liquor Liability Insurance
Specialised coverage for businesses serving alcohol, protecting against claims related to over-serving or serving to minors.
Products Liability Insurance
Protection against claims arising from food or drink supplied to customers, including illness or injury caused by products served on your premises.
Buildings Coverage
Protection for your hospitality premises against damage from fire, flood, storm, and other insured perils, including fixtures, fittings, and outdoor areas.
Related Insights
Hospitality Industry Insights
Stay informed with our latest insights, guides, and expert analysis specifically relevant to the hospitality sector.
Guide
What Determines the Cost of Hotel Insurance
What drives hotel insurance premiums in the UK: programme composition, property and trading variables, claims history, business interruption and sums insured.
Guide
What to Look For When Choosing a Hotel Insurance Broker
What to look for in a hotel insurance broker: sector experience, insurer access, valuation advice, business interruption analysis and claims support.
Guide
What Is Hospitality Insurance? A Guide for Hotels, Pubs and Restaurants
What hospitality insurance covers for UK hotels, pubs and restaurants: public liability, employers' liability, stock, and business interruption cover.
Guide
Insurance for Hotels: What UK Operators Need
A practical guide to the insurance covers UK hotel operators rely on day to day, from liability and contents to business interruption.
Guide
Hotel Insurance Cost: What Drives the Premium
The factors that influence hotel insurance pricing in the UK, from building construction and location to operations and claims history.
Guide
How to Get a Hotel Insurance Quote
What information UK hotels should gather before requesting a hotel insurance quote, and how brokers price the risk.
Hospitality Specialisms
Explore our dedicated cover for the main hospitality property types.
Specialist Guidance
Industry Expertise for the Hospitality Business
We have a deep understanding of the hospitality and leisure sector from the perspective of operators. We recognise the unique exposures involved in serving food and alcohol to the public, the liability challenges linked to late-night licensed premises, and the operational reality that many hospitality businesses depend on staff, stock, and footfall that fluctuate significantly by day and season, including event venues.
Specialised Public Liability Insurance Coverage
Whether it's a boutique hotel, a chip shop, or a late-licence bar, each has distinct risk profiles despite all falling under hospitality. We design cover to align with your specific format, licensing status, and number of sites, ensuring you receive the most appropriate protection rather than applying a generic hospitality template across the board.
Risk Management
For multi-site operators, we help pinpoint where risks are most concentrated by identifying key threats likely to impact each location. We consider how unexpected events could escalate exposure, whether a high-turnover flagship site, licensing conditions influencing liability, or seasonal patterns affecting business interruption, cash flow, and financial stability throughout the year. Our approach ensures cover is optimised for these factors instead of treating every site the same, particularly where changes in customer numbers can heighten concentrated risks and lead to financial consequences.
Frequently Asked Questions
Answers to the questions we hear most often.