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Hospitality & Leisure Insurance

Protect your business, staff, and guests with tailored insurance for the UK’s hospitality and leisure sector. From hotels and restaurants to theme parks and leisure venues, we help you build comprehensive protection that covers property, liability, business interruption, cyber risks, and more.

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Specialist Cover for the Hospitality & Leisure Sector

The UK’s hospitality and leisure sector is vast and covers a huge range of activities, from a small guest house to a large hotel chain, pubs/clubs and restraurants, sporting venues, museums, theme parks, night clubs, childrens’ and adult activity centres, spas, resorts, theatres and concert halls and everything in between.

Each sub-sector has specific needs but in general the common theme is the presence of the general public, in numbers, on site at any one time, undertaking activities and the hospitality required.

What’s Typically Included in a Hospitality & Leisure Insurance Programme

Every hospitality or leisure business is different — but most require a combination of key covers to protect against property damage, liability risks, and interruptions to trade.

At Rowlands & Hames, we design each programme individually to reflect your business size, activities, and location.

Protection for buildings, contents, stock, and guests’ belongings. Covers damage from fire, flood, theft, or other insured events.
Covers loss of revenue or profit following insured damage. This may include dependency on a specific location or access route being disrupted.
Many hospitality and leisure businesses still handle cash. This cover protects money held on-site or in transit.
Protects against injury or illness to employees, often arising from manual work or slips, trips, and other workplace accidents.
Essential for businesses with public access. Covers accidents involving guests, as well as issues arising from food, drink, or other products.
Provides protection for directors and shareholders against claims relating to management decisions or actions.
The hospitality sector’s reliance on customer databases and online systems makes it a target for cybercrime. Covers data breaches, ransomware, and GDPR-related incidents that could disrupt trading.
For companies using vehicles such as minibuses, coaches, or valet parking services. Includes cover for staff moving or parking customer vehicles.

Each business is unique, so every programme is designed on a bespoke basis, drawing on access to a wide range of leading insurers and specialist schemes.

Hospitality & Leisure Insurance FAQs

Yes. Any business that welcomes guests or customers should have public liability insurance. It protects you if someone is injured or their property is damaged while on your premises.
Can I combine multiple locations under one policy?
Absolutely. Any business that uses booking systems, payment processing, or customer databases is vulnerable to cybercrime, regardless of size.
Premiums depend on several factors including business size, activities, turnover, claims history, and level of cover required. A tailored quotation ensures you only pay for what you need.
Yes, specific event or business interruption cover can protect against losses if you’re unable to operate due to insured events such as fire, flood, or denial of access.
Yes. Employers’ liability and public liability insurance can extend to temporary and seasonal workers, provided they are included within your declared staff numbers.

Contact the Team

Mike Watkinson Dip CII | Account Manager
Mike Watkinson Dip CII
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