Hospitality & Tourism
Insurance for businesses that welcome guests every day, where a single incident can affect reputation as well as revenue.
Guests, staff, and property under one roof.
Hotels, restaurants, and tour operators carry an unusual mix of risks: large numbers of visitors, food preparation, high-value fit-out, and a seasonal income that is hard to recover once lost.
We build programmes that protect the property, cover liability to guests, insure the team, and replace income when trading is interrupted.
- Hotels and serviced apartments
- Restaurants, cafés, and catering
- Tour operators and travel agents
- Event venues and attractions
What a hospitality programme includes.
Property and fit-out
Buildings, interiors, kitchen equipment, and furnishings against fire, water, and accidental damage.
Guest and public liability
Claims from guests and visitors for injury, illness, or damage to belongings.
Business interruption
Lost revenue and continuing costs while you cannot trade after insured damage.
Food contamination
Costs of closure, clean-up, and lost stock following a contamination incident.
Workmen's compensation
Cover for kitchen, housekeeping, and front-of-house staff injured at work.
Money and fidelity
Cash on premises and losses from employee dishonesty.
Hotels and restaurants need different emphasis.
Hotels and apartments
- Guests' property and safe-deposit liability
- Pools, gyms, and spa liability
- Large business interruption values
- Lifts, chillers, and plant breakdown
Restaurants and cafés
- Kitchen fire and extraction systems
- Food contamination and spoilage
- Delivery riders and vehicles
- Shopfront glass and signage
When something goes wrong, your guests should barely notice.
Fast claims support and income protection help you keep the doors open and your reputation intact.
Need protection for your future?
Global coverage, trusted assurance. Our advisors are available Mon – Sun 9:00 AM – 6:00 PM.