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Hospitality insurance
We'll find the right quote to suit your needs
Gain complete protection for your hospitality business
We work with a panel of 120 insurers
Helping businesses with insurance for over 70 years
Finding you the best cover
We have a panel of 120 insurers to discover suitable quotes and tailored cover for your needs.
Experts
Our team of insurance specialists have more than 70 years of experience in the industry.
Personalised cover
Our agents conduct a thorough fact find to understand your unique requirements, then work with insurers to get you the cover you need.
More than just insurance
Radius offers telecoms, fuel cards, telematics, insurance, electric vehicle charging, energy and vehicle solutions to businesses across five continents.
Search our panel of insurance specialists to find competitive cover
We work with a range of hospitality insurers from household names to small specialist insurers to find the best policy for your business.
Three simple steps
The fact find
Complete the online question set or speak to one of our agents.
Search the market
We identify the policy that best suits your business requirements.
Your business insured
Complete your insurance purchase online in minutes or over the phone.
Get a quote
What is hospitality insurance?
The hospitality is a dynamic one with different risks, and it’s imperative your business is fully protected. That’s where hospitality insurance steps in. Covering a wide range of establishments – including hotels, restaurants, cafes, and bars – this type of insurance is tailored to safeguard against everything from customer injuries to food safety issues and property damage.
By combining multiple coverages such as employer’s liability and property insurance into one package, you gain complete protection for your investment and ensure business operations continue running smoothly.
What does hospitality insurance cover?
Property insurance
Covers damage to your business premises – including the building and interior items – caused by events like fire, flood, or vandalism. Your business can recover fast from unexpected incidents.
Public liability insurance
Financially protects your business from claims made by customers or visitors. These claims could be due to injury or experiencing property damage while on your premises.
Employer's liability insurance
This insurance shields against claims made by employees who suffer work-related injuries or illnesses. Employer’s liability insurance is legally required in the UK if you employ staff.
Business interruption insurance
Compensates for loss of income if your business operations are interrupted by an insured event. This coverage assists with ongoing expenses while your business recovers.
Stock insurance
Supplies coverage for the loss, theft, or damage of stock. Whether it is food, beverages, or other inventory, this insurance means you can quickly replace lost stock.
Equipment breakdown insurance
If essential equipment breaks down unexpectedly – think refrigeration units or heating systems – this insurance covers the repair or replacement costs involved.
Why hospitality insurance matters
Protects against customer claims: Hospitality businesses frequently interact with the public, increasing the risk of on-site accidents or injuries. Insurance protects against claims, covering legal costs and compensation.
Secures revenue during disruptions: Business interruption insurance is essential for hospitality companies relying on consistent customer flow. It compensates for lost income, helping maintain financial stability while your business recovers.
Legal protection for employment issues: The hospitality industry often has a high turnover of staff. This can lead to employment disputes. Insurance covers both these and workplace injuries.
Protects equipment: Hospitality businesses depend heavily on specialist equipment like ovens, refrigeration units, and point-of-sale systems. Equipment breakdown insurance covers their repair or replacement, saving significantly on expenses.
Reputation enhancer: Comprehensive insurance coverage signals to customers and partners you run a responsible, secure business. Your reputation naturally enhances, which can boost trust levels and customer numbers.
Continual operation: With coverages like business interruption and equipment breakdown insurance, your business can recover fast from unexpected events. This minimises downtime and keeps everything up-and-running.
Types of hospitality insurance
Choosing the right hospitality insurance
You want to protect your hospitality business, and choosing the right insurance coverage is key to achieving that goal. That’s where Radius can assist. We have access to every major insurer, meaning we can secure hospitality insurance services specifically designed to fit your company’s needs.
To achieve this, our insurance specialists conduct a thorough assessment of your business requirements and works closely with insurers to secure the best protection. Whether you operate a small café or a large hotel, Radius delivers the right personalised insurance solutions for your requirements.
Frequently asked questions
Can’t find an answer to your question? Talk to the Radius customer support team on 0333 070 5876. We’re here to help you with any questions or concerns you may have.
Take control of more than just hospitality insurance
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Why choose radius?
Our international presence impacts over 470,000 businesses across five continents.
Expertise
Our team has over 36 years of experience helping more than 470,000 customers globally
Trust
We are an internationally-acclaimed provider with numerous awards for our products and services.
Choice
Choose from our range of fleet, mobility and connectivity solutions that can be tailored to suit your needs.
Solutions
Use our award-winning technology and services to save your business time and money.
Can’t find what you are looking for?
Need help? The customer support team at Radius operates across more than 50 offices worldwide, providing local contact with a global presence. Let us know how we can assist you.
Radius Business Solutions (UK), a trading name of UK Fuels Limited, Radius Insurance Solutions Limited and Milestone Insurance Consultants Limited are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions Limited is a registered company (number 3668469 and FCA reference number 300425). Radius Insurance Solutions is a trading style of Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.
