Pubs, Restaurants and Hotels

Tailor our commercial cover to meet your client's needs. Get a quick quote online.

Flexible insurance for pubs, restaurants and hotels

Our packaged cover is tailored for small hotels with up to 20 rooms, and restaurants, cafes, pubs and bars with up to 4 premises. 

For larger and more complex hospitality risks, our Business Combined cover my be more suitable for your insurance needs.

What's included in our hospitality cover?

  • 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 £2 million 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 £3 million gross revenue

Optional cover:

  • Stock cover for tobacco, wines and spirits
  • Buildings cover or tenant improvements
  • Personal accident
  • Fidelity
  • Legal expenses
  • Proprietor personal effects (for hotel product only)
  • Terrorism

Target customers

This product is designed to meet the needs of:

  • Public houses
  • Restaurants, cafes, tea rooms and coffee shops
  • Small, unlicensed hotels, guest houses and bed and breakfasts
  • Takeaway food providers, including fish and chip shops

Positive risk features

  • 2 or fewer property claims in the last 5 years
  • No more than 1 liability claim in the last 5 years
  • No history of flood or subsidence losses
  • Standard construction
  • Property exposures below £3.5 million
  • Turnover below £1.5 million

Why choose pub, restaurant or hotel cover with us?

Package the cover with our flexible limits that could suit your client’s needs.

Cover for leakage of alcoholic and soft drinks from storage containers or connected apparatus.

Outside furniture cover of up to £5,000.

Free 24-hour advice lines for catastrophe claim assistance, emergency repairs, health and safety, stress counselling and taxation advice.

Defaqto have given our hotels, pubs and restaurants insurance 5 Stars each.

Public house insurance Defaqto logo 2024


We've been given 5-Stars for our Pubs insurance

Restaurant insurance Defaqto logo 2024


We've been given 5-Stars for our Restaurants insurance

Hotel insurance Defaqto logo 2024


We've been given 5-Stars for our Hotel insurance

Ready to get a quote?

Log in to RSA Online to get a quote and start trading with us.

Dedicated claims team

Our claims team provide a fast and efficient claims service to make sure your client can get back on track as quickly as possible.
Find out more about claims
People in a restaurant with waiter

Avoiding common risks in hospitality

We provide a range of helpful guides and tips on how to avoid common mishaps.

Our hospitality risks document provides in-depth information for your client, including:

  • Kitchen fire safety
  • Electrical safety
  • External storage and arson
  • Laundry fires
  • Slips, trips and falls
  • Escape of water
  • Read our guide

    Pubs, restaurants and hotels policy documents

    Risk management guides

    View and download our guides, featuring tips and in-depth information on risk management.

    Hospitality risks - PDF - 928KB

    Practical risk management advice for Hospitality risks.

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    Understanding risk

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