Restaurants, takeaways, pubs, guest houses

Hospitality & Leisure

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


Our cover is a specially designed package underwritten by A-rated insurers for individual or multi-location eating, drinking and hospitality premises with standard package covers plus trade specific extensions.

We can provide cover for:

  • Guest Houses
  • Hotels
  • Fish & Chip Shops
  • Take-Away’s
  • Restaurants
  • Cafes
  • Public Houses with or without some accommodation
  • Themed pubs
  • Wine bars

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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 policy documents.

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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

Policy wording

Policy overview (IDD Compliant)


  • Employers Liability (£10,000,000)
  • Public/Products Liability (£2,000,000 )
  • Goods in transit (£2,000)
  • Business Interruption (£500,000)
  • Money (£3,000 on premises during business hours and £1,000 in safe)
  • Deterioration of refrigerated stock (£2,000)
  • Loss of licence (£100,000).

(Increased limits are available on request)

Additional cover

Special Extensions within the policy wording include:

  • Theft cover without forcible & violent entry/exit (unless a public house with letting rooms)
  • Accidental damage
  • 25% seasonal increase.

Our Niche Hotel, Pub and Restaurant insurance policy can also be extended to include:

  • Terrorism Cover
  • All Risks Items
  • Public/Products Liability up to £10,000,000
  • Buildings

Target business



  • Individual or multi-location eating, drinking and hospitality premises
  • Small and Medium sized hospitality businesses
  • Minimum Food Hygiene Rating of 3 or Pass in Scotland
  • Fire suppression in kitchens
  • Non-City centre public houses with limited use of entertainment, late licence and door supervisors
  • Proven claims record
  • Risks with proven Risk Management and Health & Safety cultures
  • Family orientated with positive on-line/social media reviews



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.

Decline trades


  • Nightclubs
  • Fun Pubs/Bars with:
    • Live music
    • Dance Floor
    • Door staff
    • Extensive entertainment (more than twice a week)
    • Inner City Locations
  • Shisha Bars and Lounges
  • Poor claims record
  • Venues in extreme Arson &/or Crime areas
  • Thatched risks
  • Grade I Listed Properties



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