Pubs, Restaurants and Hotels

  • Small hoteliers, restaurant owners and publicans,
  • Flexible cover,
  • 24 hour advice line

Suits: SMEs

Our Hotels product is designed for small hotels and inns with up to six rooms. Our Restaurants product is designed for small/medium sized restaurants with a capacity of up to 300 seats. Our Pubs product is designed for public houses and wine bars. The maximum number of premises that can be catered for under each product is four.

For new business and renewals transactedf rom 01 April 2020 we would like to draw your attention to the Important Notice to Policyholder document outlining changes to the policy wording.



The policy has been tailored to meet the needs of the sector and provides:

  • A competitive package of covers, with generous and flexible limits 
  • Cover for leakage of alcoholic or soft drinks from storage containers or connected apparatus
  • Business interruption cover for notifiable diseases, food or drink poisoning, defective sanitation, murder, suicide, vermin and pests – £250,000 limit as standard
  • Automatic extension to cover up to £5,000 of outside furniture
  • Free 24-hour advice lines for catastrophe claim assistance, emergency repairs, health and safety, stress counselling and taxation advice

Our standard cover consists of:

  • Contents, stock, public/products liability and employers’ liability
  • Hotels 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/products liability £2m limit of indemnity - option to reduce or increase
  • Money package defaults to £1000
  • Loss of liquor licence - £100,000 as standard with potential to increase as required
  • Business interruption – £500,000 gross revenue

Add a range of optional covers to suit your customers' needs:

  • Stock cover for tobacco, wines and spirits
  • Option to include buildings cover or tenants improvements
  • Optional cover available for personal accident, fidelity, legal expenses and proprietors personal effects (for our Hotel product only)

Sweet spots

Examples of where we have a particularly strong appetite, are actively targeting, and have been found to be at our most competitive.

  • Restaurants up to 300 seats
  • Cafés
  • Tea rooms
  • Bed and breakfast hotels
  • Contents circa £150,000 & stock circa £200,000
  • Small unlicensed hotels up to 6 rooms

Positive risk features

Factors we will take into account to make our sweet spots even more competitive.

  • Negligible or low flood risk
  • Low claims frequency
  • Good alarm & physical security
  • Standard construction
  • Length of time in business


Risks we would never write, or write only rarely forming a small part of a wider portfolio.

  • Hotels with more than 6 rooms
  • More than 4 premises
  • Exposures greater than £3,500,000
  • Turnover greater than £1,500,000

Did you know

Our Pubs, Restaurants and Hotels product gives you the ability to flex your rate of commission on rsaonline and Acturis from 0 to 35%

Claims Information

Express claims handling

We express handle suitable commercial property claims worth up to £2,500. This means that we aim to conclude settlement within 24 hours* by collecting important information to validate the policy cover at first notification, and making payment by your customers preferred methods.

Unique in-house Loss Adjusting service

Exclusive access to a network of carefully selected suppliers offering property services at specially negotiated rates.

* Core working hours are Monday to Friday from 9am to 5pm.

Property Claims:
0330 102 4100
Liability Claims:
0330 100 6479