Food & Hospitality Insurance
Food and hospitality insurance is a specialised type of cover designed to protect businesses in the food service and hospitality industries.
FOOD & HOSPITALITY INSURANCE
Food and hospitality insurance is a specialised type of cover designed to protect businesses in the food service and hospitality industries. These industries operate in a fast-paced, customer-facing environment where the potential for risk is high. Whether you run a restaurant, cafe, catering service or hospitality venue, protecting your business with the right insurance cover is essential to safeguard your business.
As a trusted insurance broker, IPS works closely with leading insurance providers and our goal is to provide appropriate policies that help protect your business from costly legal claims, property loss and business interruptions.
This type of policy is designed for anyone involved in preparing, serving or selling food and drinks. Typical businesses include but are not limited to:-
- Restaurants
- Takeaways
- Cafes, tea and coffee shops
- Bakeries
- Pubs and gastro bars
- Hotels, B&B’s and Guest houses
Key Features of Food & Hospitality Insurance (subject to quotation/terms & conditions):-
Buildings Insurance
Covers the physical structure of your business premises against fire, flooding, vandalism and other forms of structural damage.
Tenants’ Improvement Insurance
If you lease your premises, this cover safeguards your investment in any alterations made including installed kitchens, bars or bespoke fittings.
Stock Insurance
Offers cover for perishable and non-perishable stock, including food, beverages and supplies against spoilage, theft or damage.
Contents & Equipment Insurance
This cover protects furniture, kitchen appliances and electronic equipment against damage, theft or mechanical failure.
Business Interruption Insurance
Covers loss of income resulting from temporary business closure due to an insured event such as fire, flood or equipment failure.
Employers’ Liability Insurance
Offers coverage for claims made by employees arising from workplace illness or injury.
Public/Product Liability Insurance
Provides protection if a client is injured, has an allergic reaction, or experiences any food-related issues on your premises.
Legal Expenses Insurance
Provides cover for legal expenses arising from employment disputes, contract disagreements or compensation claims.