Austria
Belgium
Denmark
Estonia
Finland
France
Germany
Greece
Iceland
Ireland
Italy
Liechtenstein
Netherland
Norway
Poland
Portugal
Spain
Sweden
Switzerland
Turkey
United Kingdom
Australia
Hong Kong
New Zealand
India
Indonesia
Japan
Malaysia
Philippines
Singapore
Thailand
Brazil
Chile
Colombia
Mexico
Peru
USA
Bahrain
Israel
Morocco
Oman
UAE
Saudi Arabia
Tanzania
Your business is built on great service. Ours is too.
At Howden, we understand that hospitality is all about people - guests, staff, and the experience you deliver every day. Whether you run a restaurant, hotel, or bar, we provide handcrafted hospitality insurance designed to protect what matters most: your people, your income, and your reputation.
While we manage the risks, you can focus on what you do best, delivering memorable experiences to your customers.
Restaurant insurance
We know that a fine dining experience is underpinned by exceptional food and drink delivered exquisitely by passionate people. We share that same passion, supporting restaurateurs and ensuring their business is protected by high-quality, tailored insurance programmes.
Find out more
Hotel insurance
By managing risk, enhancing a hotel’s ability to defend against accusations of negligence, and create a new and improved risk profile, we’re seeing insurers actively compete for our clients business.
Find out moreMore than just cover. Howden is your long-term partner in protection.
When you work with Howden, we’ll provide all the cover you’d expect from a leading insurance broker, but the service doesn’t end there. From day one, you’ll get a new partner who’s invested in your long-term success. From tailored risk management programmes to proactive insurance reviews with specialist support. We’ll help your hospitality business operate with confidence and resilience.
Core insurance cover for hospitality businesses.
Designed for the day-to-day risks of hospitality, these policies will form the foundation of your protection:
Designed to cover you financially if a member of the public makes a claim against your hospitality business.
Legally required in the UK, employers liability protects your business if an employee makes a claim against you.
Cover in the event of any criminal or accidental damage to your restaurant or hotel's building.
Fridge and freezers, ovens, health and safety gear, PA systems… your hospitality business is likely to be packed with contents that will need replacing if something untoward occurs.
Accidents happen – especially in the kitchen, and even if it’s no-one’s fault, the resulting costs can still add up, so you need to be covered for this.
Whatever the claim might be, you’ll need to legally defend yourself if a claim is made against you, and this policy will cushion that possible financial blow.
If a claim is made against a specific person rather than the business itself, this cover is for legal costs, contributing to any possible settlements or compensation.
If your stock – whether that’s food, kitchen equipment, linen, etc – is spoiled due to outside events, this insurance covers replacement costs.
If your business has to close due to material damage losses, this insurance is designed to indemnify your lost income and cover fixed costs to ensure you can continue to recover to your predicted pre-loss trading position, had the loss not occurred.
Case studies
Unlocking savings and cover enhancements for a flood risk hotel
Facing a fast-approaching renewal deadline, the client turned to Howden for a fresh perspective on their hotel’s insurance strategy. For years, they had battled to find a broker with the expertise to navigate the complex flood risks tied to the property’s location. Frustrated by limited options and rising premiums, they were ready for a smarter, more competitive solution and Howden delivered.
How Terrorism insurance can help with lost revenue
Following the events at Fishmongers’ Hall, as part of the wider ripple effect, our client suffered a downturn in income. This was due in part to the local authority of Southwark restricting access to the area, with public transport services reduced, which created an immediate reduction in expected footfall. And in turn, this unfortunately led to a £25,000 reduction in our client’s forecasted revenue.
The impact of streamlined insurance on a restaurant chain
An existing fine dining client introduced Howden to a potential new client – a restaurant chain spanning seven countries that specialises in serving high-quality fresh lobster. The chain asked Howden to review their existing restaurant and hospitality insurance programme to see how the insurance policies across all the sites could be streamlined, strengthened, and to identify any gaps in cover that may leave them exposed.
A track record in resolution and customer satisfaction
While nobody wants to claim against their hospitality insurance, feeling confident in your insurance broker and the package they’ve provided lessens the anxiety if you need to proceed. From saving a large hotel chain over £50,000 on their premium to helping another client get a pay-out for a £25,000 reduction in revenue as a result of a terror attack, at Howden, we always go above and beyond in delivering risk solutions and hospitality cover that makes each and every business we deal with feel looked after.
