Hotels, Pubs & Restaurants

Hospitality & Leisure

Wide All Risks basis of cover for small and medium hospitality businesses.


A specially designed mutual cover in partnership with The Military Mutual for individual or multi-location eating, drinking and hospitality premises with standard package covers plus trade specific extensions.

We can provide cover for:

  • Hotels
    • Guest Houses
    • Bed & Breakfast
  • Restaurants
  • Cafes
  • Public Houses with or without some accommodation

Please note this product is only available to selected broker partners. If you would like to access this product, please contact your regional BD Underwriter.

Access this product online

Save time by issuing cover for majority of our products online. You can receive quotes immediately, benefit from fast-track referral and confirm cover and issue cover documents.

Access broker portal

Your expert team

You can access our knowledgeable underwriters directly to discuss your clients’ needs.

New business
Sinead O’Brien
01923 298 446
Richard Foster
01923 298 429

Key documents

Cover wording

Cover overview (IDD Compliant)


  • Exclusive to Touchstone Underwriting
  • Up to £10M TSI
  • No communicable disease exclusion on PL

Decline trades

  • Risks with poor food hygiene ratings
  • Pubs:
    • Inner City
    • Extensive Entertainment
    • Extensive use of door security staff
    • Extensive late licence
    • Dance floors
  • Premises with Takeaway only
  • Fish and Chip shops
  • Late night bars
  • Nightclubs
  • Shisha bars/lounges

Other leisure risks can be looked at outside of the Niche Hotel Pub & Restaurant Scheme. Visit our Leisure Trades product page, or contact us directly.

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