Hospitality insurance

Our service is as welcoming as yours.

At Howden, just like you, we never underestimate the value of good service. And we know that just like us, your hospitality business is all about people. So, whether you’re operating a restaurant  or hotel , we consistently serve up handcrafted hospitality insurance, leaving you to do what you do best – focus on your customers and their continued enjoyment of your services and accommodation.

Get in touch with our specialist team

Do you have an existing policy with Howden?

Got a question or query? Give us a few details in the box below and we'll get back to you. 

Our Website Terms and Conditions and Privacy Notice includes information on the scope of our service and how we will handle your data.

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What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

-contacting your Howden Service Team; 
-calling Howden on 0207 545 2800;
-using the Enquiry form.

Call our friendly advisors

101 reasons for Howden hospitality insurance

From casual dining to competitive socialising, and from boutique hotels to global resort groups, we cater to every flavour of hospitality venture, getting a real taste for your business while understanding your appetite for risk. We also partner with private members’ clubs, casinos, and a whole host of other leisure and activity-based venues. Even if you’re starting something new or unusual in the hospitality world, we’ll happily have a conversation on how we can make that venture happen with personalised care and full cover. 

Glass of whisky next to whisky barrel
close up of hands chopping fresh tuna on a wooden board

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 ensuring their business is protected by high-quality, tailored insurance programmes.

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hotel insurance

Hotel Insurance

We’re disrupting that trend. By managing risk, enhancing a hotel’s ability to defend against accusations of negligence, and create a new and improved risk profile, we’re actively seeing insurers compete for our client’s business.

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casino insurance

Casino Insurance

From property damage or liability claims, to advice about your employee benefits, we have a range of solutions.

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Seating area in light-filled modern lobby

Private Members Clubs Insurance

The uniqueness of your club underpins you. We work with operators and owners to ensure the insurance protection is equally unique.

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A host of extra hospitality services and solutions

When you work with us, it’s so much more than the expected list of hospitality cover insurance solutions. We want to partner with you and provide full access to all our services. These are value-rich offerings, like dedicated risk management programmes to help you operate more safely, and regular check-ins so we can make sure all is running smoothly.

Most of all, we want your hospitality business to thrive. As an employee-owned company that puts people first, we’re as invested in your success as you are – so we go above and beyond to source the most suitable policies and cover at competitive prices, accompanied by loyal service and seasoned expertise.

Get in touch with our specialist team

Do you have an existing policy with Howden?

Got a question or query? Give us a few details in the box below and we'll get back to you. 

Our Website Terms and Conditions and Privacy Notice includes information on the scope of our service and how we will handle your data.

CAPTCHA
6 + 2 =
This question is for testing whether or not you are a human visitor and to prevent automated spam submissions.

 

What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

-contacting your Howden Service Team; 
-calling Howden on 0207 545 2800;
-using the Enquiry form.

Call our friendly advisors

What and who is on the Howden hospitality insurance menu?

Designed to cover you financially if a member of the public makes a claim against your hospitality business. 

Read more about public liability insurance

Legally required in the UK, employers liability protects your business if an employee makes a claim against you. 

Read more about employers liability insurance

Cover in the event of any criminal or accidental damage to your restaurant or hotel's building.

Read more about restaurant/hotel buildings insurance

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.

Read more about personal accident insurance

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.

Read more about legal expenses cover

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. 

Read more about directors’ and officers’ insurance

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.

Read more about business interruption cover

Hospitality case studies

What next?

If you’d like to learn more about how Howden can support your hospitality business, complete the form below, or call +44 (0) 330 008 1331 to speak to one of our specialist team today.

Do you have an existing policy with Howden?

Got a question or query? Give us a few details in the box below and we'll get back to you. 

Our Website Terms and Conditions and Privacy Notice includes information on the scope of our service and how we will handle your data.

CAPTCHA
6 + 2 =
This question is for testing whether or not you are a human visitor and to prevent automated spam submissions.

 

What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

-contacting your Howden Service Team; 
-calling Howden on 0207 545 2800;
-using the Enquiry form.