Pubs, Restaurants and Hotels
Flexible, e-traded commercial insurance tailored to the needs of hospitality businesses like small hotels, restaurants, and pubs.
Designed for hospitality
Pubs, restaurants and hotels need a unique set of insurance requirements – which is why we designed this packaged product specifically to make sure each establishment has the cover it needs. This package offers solutions ideal for hotels and inns with up to 20 rooms, restaurants, plus pubs and wine bars. It can cover a maximum of four premises.
The experts rate our Pubs, Restaurants and Shops insurance
Defaqto is a leading financial information, ratings and fintech business. Its unbiased product information, provided as Star Ratings, helps consumers, financial institutions and financial advisers make better informed decisions. Recommending our Pubs, Restaurants and Hotel products to your customers can help you with your product governance requirements and support your Fair Value Assessment.
Pubs
5 Star rated Pubs insurance!
Restaurants
5 Star rated Restaurant insurance!
Hotels
5 Star rated Hotel insurance!
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
- 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
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.
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.
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.
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
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
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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Risk management guides
How to trade with us
This product has been awarded a five star rating by Defaqto, an independent assessment based on facts not opinions. This endorsement follows expert analysis of quality data and industry-wide benchmarking. Recommending our Pubs, Restaurants and Hotel product to your customers, can help you with your product governance requirements and support your Fair Value Assessment.