Hospitality Insurance
Protect your restaurant, cafe, takeaway, or bar with specialised hospitality insurance.
Hospitality Insurance
Protect your restaurant, cafe, takeaway, or bar with specialised hospitality insurance.
Why Hospitality Insurance Is So Important
Like any business, restaurants, cafes, takeaways, and cafes are exposed to a certain events that could disrupt trade and disrupt profits.
As these types of businesses usually see high foot traffic, intoxicated patrons, slippery surfaces, risks of kitchen fires, the need for insurance is high.
Adequate coverage such as Business Insurance, Public Liability Insurance, and Workers Compensation are crucial policies to consider to protect your business from the financial burdens when something goes wrong.
What does hospitality insurance cover?
Hospitality insurance packs can offer general protection for a business, which may include cover against:
Why do you need Hospitality insurance?
You need hospitality insurance to protect your business from risks like property damage, customer injuries, staff claims, or equipment breakdowns. It covers unexpected events that could disrupt your operations or finances. With the right cover, you safeguard your livelihood, reputation, and ability to keep serving customers with confidence.
What is Hospitality Insurance?
Hospitality insurance is a type of business insurance designed specifically to protect businesses operating in the hospitality industry, including restaurants, cafés, bars, pubs, takeaways, and catering services. These businesses face unique risks due to high customer foot traffic, food and beverage service, staff interactions, and the use of specialised equipment. Because each venue type operates differently, insurance needs can vary between a restaurant, café, or cocktail bar, which is why tailored cover is essential.
Hospitality insurance typically combines multiple types of cover into a customised solution, helping protect against risks such as customer injury, property damage, equipment breakdown, theft, and business interruption. For example, a café may prioritise cover for equipment and customer liability, while restaurants and bars often require broader protection, including liquor liability and higher public liability limits. Our hospitality guides explain how insurance requirements can differ for cafés, restaurants, and bars and pubs, depending on how your business operates.
Because no two hospitality businesses are the same, hospitality insurance is usually customised based on factors such as venue type, size, location, trading hours, and whether alcohol is served. Having the right hospitality insurance in place helps safeguard your business financially and allows you to operate with confidence, even when unexpected events occur.
Why Choose Us?
As your preferred insurance broker, Morgan Insurance Brokers makes arranging business insurance simple and stress-free. We take the time to understand your hospitality business, including your operations, risks, and insurance requirements, so we can source cover that truly suits your needs. Whether you operate a café, restaurant, bar, or takeaway venue, we approach a wide panel of approved insurers to negotiate tailored insurance solutions that align with your budget.
Our team provides clear advice on your existing insurance policies and identifies potential gaps that may expose your business to risk. For hospitality businesses with specialised needs — such as café insurance, restaurant insurance for indian restaurants, insurance for italian restaurants or bar insurance such as winebar insurance, and pub insurance — our dedicated guides help explain how cover can differ depending on the type of venue you operate.
We also manage the entire claims process on your behalf, from lodgement through to settlement, working closely with insurers to achieve the best possible outcome. With the right hospitality insurance in place, you can trade with confidence knowing your business is protected against unexpected events.
