Leisure & Hospitality

What is restaurant insurance?

Restaurants are a relatively high risk area from a health and safety point of view. Food handling, fire, spillages, hot plates, serving alcohol, the general public on your premises to name but a few - I’ll stop there as I don’t want to frighten you. But I think that explains why, if you’re running a restaurant, you need restaurant specific insurance.

This kind of insurance is designed to protect you and your business from any eventuality which could damage your business or your patrons.

You are inviting people into your establishment and whatever happens to them while they are there is your responsibility. When they park their cars in your car park, when they eat your food and when they walk to the toilet – it’s all down to you.

What will it cover?

That depends on how much you want to pay. The more you pay the better protection you will get, that’s why it pays to speak to our specialist restaurant insurance agents to get the policy best suited to your needs and your budget.

Some policies will provide protection for things like loss of stock due to a power cut, damage or injury while on your grounds (say in the car park) and loss of earnings due to the restaurant having to be closed after a flood or a similar insured risk.

Do you have a children’s play area? Again, adequate insurance is important to protect your younger customers.

All of these are things you need to consider when deciding what cover you need.

Will this be all the insurance I need?

No, legally you’ll also need employer’s liability insurance, which protects people who work for you, regardless of whether you pay them for that work or not. This is especially important in the hospitality sector as many of your employees will probably be temporary or part time because of the nature of the work.

You will also need public liability insurance as you are inviting the public onto your premises and to protect you for compensation claims that could arise from injury to them or damage to their property while at your restaurant.

What is Pub insurance?

The beauty of pub insurance is it can be made to measure. Due to the nature of a pub environment we understand the risks and hazards that as a licensee, you face every day. From accidents, loss of license to employee dishonesty; our expert team can help you.

Buildings & Contents Covers

Whether you own the pub or are leasing, chances are you’re going to want cover to protect your property from fire, flooding and accidental or malicious damage. The same goes for contents; loss of money, personal belongings and stock could result in your pub needing to close causing loss of earnings.

Fortunately, money cover and glass cover come as part of your Pub insurance quotation. By offering this extra protection as standard we protect you against money stored on the premises during business hours, overnight in a safe and money in transit to the bank.

This is why our Pub Insurance policy is tailor made for you and your budget, so you can focus on giving your customers the best service.

To discuss the right type of Buildings, Contents and Business Interruption cover please speak to one of our expert business insurance team who will happily help you find the protection you’re looking for.

Public Liability

Public Liability insurance, although not legally required, is a must for any public house. You deal with the public everyday serving them alcoholic drinks and should a member of the public get injured in your pub as a direct result of its operations, Liability Insurance could protect against an expensive compensation claim.

Employer’s Liability

As an established business owner, you’re already aware that Employers Liability is a legal requirement if you employ staff. In a busy pub and bar environment, accidents can happen at any time, so in order to protect your business and employees we offer £10 million as standard to ensure you are covered in the event of a claim.

What is hotel insurance?

It is insurance that caters for all the needs of a hotel, bed and breakfast or guest house. It considers all of the risks you may have when running such an establishment and covers those risks.

Whether you are a husband and wife team running a small bed and breakfast or the manager of a large multi bedroomed hotel, getting the right insurance for your business is important.

For most people who run hotels they aren’t only a business they are also their homes, and so it’s even more important that every possible risk is insured.

Do you keep cash on the premises? Then our specialist hotel insurance can cover you for the loss or theft of that money. And if you have to close the hotel because of an insured risk, such as fire or flood, then business interruption cover can compensate you for loss of earnings during the closure.

What will it cover?

That depends entirely on what you want protected. The more cover you want the more it will cost. But rest assured that constructaquote.com will get the right policy for you at the right price to suit your budget.

Do you have a lot of expensive equipment in your kitchen? Then you may need that insured. The same goes for your food stock.

No two businesses are the same and the same can be said for insurance. That’s why it’s important that you consider all your needs and risks and give our insurance specialists a call to ensure you get the cover you need at a price that suits you.

Will this be all the insurance I need?

Many of your staff at the hotel are probably part time or temporary because of the nature of your business, therefore legally you’ll also need employer’s liability insurance, which protects people who work for you, regardless of whether you pay them for that work or not.

You will also need Public liability insurance as you have guests staying at your premises. This type of insurance protects you from compensation claims that could arise from injury or damage to their property while at your hotel or guest house.