Designed for hospitality

Pubs, restaurants and hotels have a specific set of requirements – which is why we designed this package to match their specific needs. This package is ideal for: hotels and inns with up to 20 rooms, restaurants with up to 300 seats, plus pubs and wine bars. This product covers a maximum of four premises.

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Why choose RSA?

The policy has been tailored to meet the needs of the sector and provides:

  • A competitive package of covers, with generous and flexible limits
  • Cover for leakage of alcoholic or soft drinks from storage containers or connected apparatus
  • Business interruption cover for notifiable diseases, food or drink poisoning, defective sanitation, murder, suicide, vermin and pests (£250,000 limit as standard)
  • Automatic extension to cover up to £5,000 of outside furniture
  • Free 24-hour advice lines for catastrophe claim assistance, emergency repairs, health and safety, stress counselling and taxation advice

Risk appetite and cover

Find out more about our risk appetite by exploring the tabs below.

  • Standard cover
  • Optional cover
  • Target customers
  • Positive risk features
  • Negative risk features

Standard cover

Our standard cover consists of:

  • Contents, stock, public and products liability, and employers’ liability
  • Hotel cover is available for guests’ personal effects (£2,500 per guest)
  • 50% seasonal stock increase during November, December and 30 days prior to Easter
  • All risks goods in transit cover of £2,500 (option to extend to £10,000)
  • £1,000 cover for damage to frozen and chilled food (option to extend to £10,000 per unit)
  • Public and products liability £2m limit of indemnity (option to reduce or increase)
  • Money package defaults to £3,500
  • Loss of liquor licence (£100,000 as standard with potential to increase as required)
  • Business interruption up to £3m gross revenue

This policy has been updated to exclude cover for Covid-19. See the Covid-19 notice to policyholders for more.

Optional cover

Choose from a range of optional covers to meet your needs:

  • Stock cover for tobacco, wines and spirits
  • Option to include buildings cover or tenant improvements
  • Personal accident
  • Fidelity
  • Legal expenses
  • Proprietor personal effects (for our Hotel product only)
  • Terrorism

This policy has been updated to exclude cover for Covid-19. See the Covid-19 notice to policyholders for more.

Target customers

This product is designed to meet the needs of:

  • Restaurants
  • Cafés
  • Tea rooms and coffee shops
  • Bed and breakfast hotels
  • Contents circa £150,000 and stock circa £200,000
  • Small unlicensed hotels, guest houses and B&Bs

Positive risk features

We can offer particularly good deals for:

  • Negligible or low flood risk
  • Low claims frequency
  • Good alarm and physical security
  • Standard construction
  • Length of time in business

Negative risk features

Risks we don’t write – or write only rarely as a small part of a wider portfolio – include:

  • More than four premises
  • Exposures greater than £3.5m
  • Turnover greater than £2.5m
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Get an expert claims team on your side

We understand the impact a claim can have on your customer’s business. That’s why our dedicated teams will provide a fast and efficient claims service to get people and businesses back on track as quickly as possible.

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Helping businesses be safer, stronger, and more resilient

We offer a wide range of risk control guides to help safeguard your customers’ businesses and interests. From health and safety to weather damage, you can help your customers put in place a comprehensive risk mitigation programme by supplying them with a wide range of content created by our risk experts.

Notice to policyholders

RSA have updated our non-motor policy wordings. These new wordings (located below) will apply to new business and renewals transacted on or after 19th November 2021. If you are renewing an existing RSA policy we would like to draw your attention to the Notice to Policyholder (November 2021). This highlights the changes to each of the policy wordings. Please ensure you select the version that corresponds with your product, and include this with your clients other renewal documentation.

Documents and downloads

View and download policies, brochures and more.

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How to trade with us

For portfolios of up to 4 premises, you can e-trade quickly and efficiently.

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