Hospitality & Leisure
The hospitality and leisure sector is fast paced, customer-focused and full of unique risks. Whether you run a restaurant, hotel, café, sports club or leisure facility, having the right insurance is essential to protect your business, employees and customers. At Goldstone Broking Group, we are here to provide tailored insurance solutions backed by access to hundreds of trusted UK insurers, helping you find the right level of protection with confidence.
Here are just some industry sectors we can help with:
- Restaurants
- Pubs
- Cafes
- Sports and Leisure Clubs
- Sports Grounds
- Sports Coaching
- Hotels
There are many forms of important insurances for the Hospitality and Leisure industry, some of the key ones are:
Public Liability
Public Liability Insurance is one of the most important policies for businesses that interact with customers, visitors or members of the public.
Accidents can happen at any time. A customer could slip on a wet floor, trip over loose flooring, or suffer an injury while visiting your premises. If your business is found responsible, you may face costly compensation claims and legal fees.
Public Liability Insurance helps cover these costs, giving you peace of mind that your business is financially protected.
Typical claims include:
- Customers slipping on wet floors
- Food or drink spill accidents
- Damage to a customer’s property
- Injuries caused by faulty furniture or equipment
- Accidents at events or outdoor seating areas
Employers Liability
If you employ staff, Employers’ Liability Insurance is a legal requirement for most UK businesses.
Employers’ Liability Insurance helps cover compensation claims, legal expenses and associated costs if an employee becomes injured or ill because of their work.
It protects both your employees and your business, ensuring you meet your legal obligations.
Examples include:
- Kitchen burns or cuts
- Slips and trips at work
- Manual handling injuries
- Occupational illnesses
- Claims relating to unsafe working environments
Business Interruption
A major incident can force your business to temporarily close, preventing you from serving customers and generating income.
Business Interruption Insurance helps replace lost revenue and contributes towards ongoing business expenses while your business recovers following an insured event.
This cover can be invaluable for hospitality businesses where even a short closure can have a significant financial impact.
It may help cover:
- Loss of income
- Staff wages
- Rent and utility bills
- Temporary relocation costs
- Increased operating expenses during recovery
Buildings & Content Insurance
If you own your premises, Buildings Insurance protects the physical structure of your property against damage caused by insured events.
Hospitality businesses often invest heavily in their premises, making this cover essential for protecting your long-term investment.
Cover may include damage caused by:
- Fire
- Flooding
- Storms
- Escape of water
- Subsidence
- Vandalism
Legal Expenses Cover
Running a hospitality business can involve various legal disputes, from employment issues to disagreements with suppliers or landlords.
Legal Expenses Insurance helps provide access to professional legal advice and contributes towards legal costs associated with covered disputes.
This can include assistance with:
- Employment disputes
- Contract disagreements
- Property disputes
- Tax investigations
- Debt recovery
- Health and safety prosecutions
Medical & Personal Accident Cover
Personal Accident Insurance can provide financial support if you or key members of staff suffer an accidental injury that prevents them from working.
This cover can help ease financial pressure during recovery and is particularly valuable for owner-managed hospitality businesses where key individuals play an essential role in daily operations.
Why Choose Goldstone Broking Group?
✔ Independent commercial insurance brokers
✔ Access to hundreds of UK insurers
✔ Tailored cover for your business
✔ Fast, personal service
✔ Claims support when you need it most
✔ UK-wide service from experienced advisers
