Hospitality insurance

Gourmet-standard service without sky-high premiums. That’s fresh.

Our specialist team understands the hospitality industry, and the unique risks you face. We’ve built up relationships with specialist insurers in the space, and we know what they like (and dislike).

We’ll design a bespoke policy on your behalf designed to offer you the financial protection you need, without you having to pay over the odds for cover you don’t need.

In the end, our specialist brokers are here to take stress and risk off your shoulders. To work the insurance markets on your behalf, so that your cover isn’t a problem you have to solve; it’s an asset that makes running your business easier.

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, we’ve always gone above and beyond in delivering risk solutions that make a real difference to our clients.   

We’d love to do the same for you.

Who do we work with?

We’ve helped design policies for everyone from boutique London eateries to national chains, and everything in between, including:

Whatever the individual risks you face as a business, we have the experience and the market knowledge to make sure your cover does exactly what it’s meant to do: take that risk off your shoulders. 

What do we do?

Here are some of the most popular and common types of cover we currently offer our clients:  

Public liability insurance 

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

Employer liability  

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

Restaurant/hotel buildings insurance 

 This will provide cover in the event of any criminal or accidental damage to your restaurant or hotel's building.

Contents insurance 

Fridge and freezers, ovens, health and safety gear, PA systems…your business is packed with contents that you may need to replace if something bad happens. Contents insurance will cover this.  

Personal accident insurance 

Accidents happen, especially in the kitchen, and the resulting costs can still add up, even if no-one’s at fault. Personal accident insurance can help you meet those costs.

Legal expenses cover 

No matter how frivolous a claim might be, you will still have to legally defend yourself if one is made against you. Legal expenses cover is there to cover you financially when this happens.

Directors’ and officers’ insurance 

Occasionally, a claim may be made against a specific person, rather than the business itself. Directors’ and officers’ insurance can help meet legal costs and contribute to any settlements or compensation that result.  

Stock insurance 

If your stock is ruined due to outside events (fires, floods, fridges going down), you’ll need to pay to replace it. Stock insurance is there to cover you.  

Business interruption cover 

If your business is interrupted through no fault of your own, the losses that result from losing your income can add up quickly. Business interruption can help you recover those losses.

I’ve got a deep fat fryer/night club/a live band – can I still get cover in case something goes wrong? 

Happily, the short answer is probably yes.  

If you need to cover the risk of losing your alcohol license, or a fat fryer melting the floor, or a live band’s amp blowing up, then you almost certainly can get cover. 

We’ll take the time to sit down and understand your business from the start, so we can make sure you’re financially protected against every risk you face.  

And on the flipside, we can also make sure you're not paying for cover you don’t need.

Fighting your corner, always

Our goal is always to serve your best interest.  

That’s why we’ve spent years building up great long-term relationships with insurers that respect our way of working. That way, we can feel comfortable pushing hard on your behalf to make sure you get the best cover possible while keeping your premiums competitive.  

Being a great broker isn’t about placing generic cover then stopping. It’s about using our skill, expertise and market knowledge to work for you all year round, and to develop new solutions to help you manage your risk. 

What aren’t you being told? 

Maybe there’s a new insurer on the block that can offer you a better rate, or a new emerging risk you need to be aware of. Or even a change in industry regulations you're not aware of. 

We’ll always be completely open and transparent about what’s happening in the markets, and we’ll give you any (and all) the details that could affect your cover in future. And, of course, we’ll recommend a course of action for your business based on our years of experience and knowledge helping our clients.  

This way, you can make decisions based on facts, not just guesswork

A chef garnishes a dish in a professional kitchen

Don’t make claims alone

Making a claim on your insurance can be stressful. Especially if you’ve not done it before.

Our claims team have dealt with hundreds of restaurant claims on behalf of clients. We’ve seen what can go wrong, and we know the pitfalls. We can help you present your claim to insurers in a way that gives you the best possible chance of getting the result you want.

And if you have any claims made against you, we’ll work alongside your insurer to build the strongest case possible in your favour, and make the recommendation that’s in your best interest.

Oh, and we don't outsource our claims. It'll always be us you talk to.

Ready when you are

Do you have an existing policy with Howden?

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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.

Let's talk...

+44 (0)330 008 1331

We'll put you in touch with the person best equipped to help.