Bars, Pubs & Restaurants Insurance

Hospitality insurance packages designed for your business

Operating a bar, pub or restaurant comes with its own set of challenges, especially when considering factors like allergies and alcohol. To address these specific risks, you should consider a specialist form of business insurance designed purposely to fit the needs of the hospitality industry. With this protective measure, you can help safeguard your assets, stock, staff and customers, so that when an insured event occurs, you have the support needed to start restoring your business operations as quickly as possible.

QMT Commercial - Fleet Insurance Main image

Why Choose Us

Speak with our commercial insurance advisors

Our knowledgeable business insurance team are here to guide you through the intricacies of hospitality insurance. With a vast array of coverage options and numerous products available, finding the right fit can be challenging. Our approachable advisors are ready to assist you in comparing options and can make recommendations on suitable products that align with your specific needs.

An experienced broker

With over 25 years of experience in the insurance industry, QMT Commercial has the knowledge and experience to navigate the complexities of business insurance. Our approachable team of insurance advisors are here to help guide you through the quotation process.

Don’t just take our word for it

When choosing a new insurance broker, you’ll want to hear about the experiences of other customers before you make your decision. Why not head over to our Trustpilot page to see for yourself why so many clients choose us for their business insurance, year after year.

Flexible payment options available

For those who prefer not to pay their insurance policy in full upfront, we can offer flexible payment options. You can choose to divide the total into two monthly instalments or use our third-party finance provider to spread the cost over the year with convenient monthly direct debits.

Everything in one place

Tired of the hassle of managing multiple policies with different brokers and insurers? We can help. We can arrange most types of business insurance including liability and fleet, meaning if you switch to us, you’ll only need to deal with your dedicated account manager.

Finding you a great deal

Over the last 25 years, we have built excellent relationships with a wide variety of insurers and wholesale brokers, meaning we can bring you some great deals on your business insurance, some of which you won’t find on price comparison sites.

Feel at ease knowing you’re insured

We can’t predict the future, but we can be prepared should something unfortunate happen. Our experienced advisors would be delighted to perform a free audit of your business insurance arrangements to help identify and address the gaps in cover.

What are the main features of a Bars, Pubs & Restaurants Insurance Policy?

Whether you operate a single venue or manage a chain of bars and restaurants, there are flexible cover options to suit most businesses. Many packages typically include essential coverage like Public Liability, Employers’ Liability and protection for contents and stock. Additional cover options can be selected, such as loss of license cover and business interruption insurance to help protect your establishment from a wide range of common risks.

Main Features

Public Liability Insurance: Can cover the legal fees and settlement if a member of the public is injured or their property damaged on your premises. In environments where alcohol is served, the risk of slips and trips increases, making this coverage highly recommended for bars, pubs, and restaurants.
Products Liability Insurance: Can protect against claims arising from issues with products you sell or distribute (e.g. crisps), as you may be held equally responsible as the manufacturer.
Employers’ Liability Insurance: In the UK, this is a mandatory requirement for most businesses. It can help safeguard your company against employee claims, including those from temporary staff, by providing support for legal fees and compensation.
Building Insurance: If you own your business premises, you may wish to insure the building against risks such as fire and malicious damage. With a successful claim, you’ll receive financial support to repair or rebuild, ensuring your business remains secure and operational.
Contents Insurance: Can help to cover the repair or replacement of valuable kitchen equipment, point-of-sale systems, sound systems and furniture in cases of damage, theft or malicious damage.
Stock Cover: These policies often include options for seasonal adjustments during busy times like Easter and Christmas. It’s wise to consider coverage for stock deterioration, as even minor power outages or equipment failures can render refrigerated or frozen goods unusable, potentially leading to significant financial loss if not insured.
Loss of Licence Cover: If you unexpectedly lose your license, you may qualify for compensation, revenue loss coverage and potentially the difference in your business’s value if impacted. Please remember, loss of license coverage is available only when paired with business interruption insurance.
Business Interruption Insurance: Can be a lifeline if your business operations are halted by an insured event (e.g. fire or flood). It not only compensates for lost income but may help cover essential expenses such as employee salaries and taxes.

Bars, Pubs & Restaurants Insurance