Austria
Belgium
Denmark
Estonia
Finland
France
Germany
Greece
Iceland
Ireland
Italy
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
Bahrain
Israel
Morocco
UAE
Oman
Tanzania
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.
Why 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.
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.
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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 moreA 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.
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.
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
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.
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.
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.
Catch up on our latest hospitality articles
Howden stand at the Casual Dining Show 2024
For the third year running, we exhibited at the Casual Dining Show, and had a great time chatting with many of our existing clients. We also met with lots of new operators and suppliers that we look forward to speaking to again, and helping with their insurance needs. If you visited our stand, you may have received an incredible caricature portrait from our talented guest artist, Ivo. All portraits are available to download from the gallery!