Insurance programmes for food and leisure businesses would typically include a combination of the following cover:

• Business contents insurance: It is important to have insurance in place to protect the interior contents of your hotel or pub. This can include things such as fixtures and fittings, equipment and any furniture – for example carpets, lamps, beds, tables and glasses. When taking out a policy of this type, make sure you add up the value of all items, as this could be a costly mistake in the event of a claim if you do not have enough cover in place.
• Business assets and equipment insurance: Provides cover for the things that your hotel or pub business needs to operate, such as computers, cleaning materials and stock.
• Public liability insurance: Provides protection if you an individual suffers an injury during a stay at your hotel, or if their property is lost or damaged in your pub, it will give you some protection in the event of a claim.
• Employers’ liability cover: This is a compulsory type of insurance for employers, regardless of whether the member of staff is permanent, temporary, volunteer, contractor or freelancer. The minimum level of protection is £5m, which will cover the cost of compensation claims if staff get injured or fall ill as a result of carrying out their required duties.
• Buildings insurance: If you own the freehold for your hotel or pub, then you need to take out buildings insurance to protect your most expensive asset. The policy will provide cover in the event of flooding, a fire or theft.
• Business interruption insurance: Provides cover for financial losses if your hotel or pub business can’t operate from its normal premises due issues such as to fire, major theft or a flood. This includes things like loss of income and rent and will help to keep your business operating if the worst should happen.
• Stock insurance: Provides cover in the event that your stock (such as food and drinks) is damaged through fire or flooding, or if it is stolen.
• Theft of takings: If you take payments in cash, then you may want added protection in case of theft from you, anyone working for you or your premises.
• Glass cover: This type of policy can provide protection in the event that the windows of your restaurant or takeaway, shop front and glass displays are damaged maliciously through vandalism.
• Loss of licence: If you serve alcohol in your premises and lose your licence for reasons outside of your control, this will ensure your business can operate as usual.
• Goods in transit cover: This will provide cover if your stock is damaged or lost while being delivered by post or courier.

These are just examples of some of the types of food & leisure insurance policies that we look after at The Yorkshire Broker. As we know that no two businesses are the same, speak to us today to find out which policies will best meet your needs.