A customer slips on a spilt drink by the bar and fractures a wrist. Their claim comes to £15,000.
Covered by Public Liability
Insurance for hospitality and food.
What one bad service can cost.
The risks that come with feeding and serving the public, and the cover that pays.
A chef burns a hand on the fryer during a busy service. Their injury claim comes to £12,000.
Covered by Employers' Liability
A diner has an allergic reaction to a dish and is taken to hospital. The claim against you comes to £19,000.
Covered by Products Liability
Illustrative examples. Cover depends on the package and limits you choose.
Three steps. Most of it online.
Most quotes come back online in minutes. Some go to an underwriter for review first, and if yours does, we tell you.
- 1.
Get your price
A few quick questions and your quote's on screen.
- 2.
Buy and you're covered
Pay online and your cover goes live straight away.
- 3.
Manage it all in one place
Documents, claims and renewals, one simple dashboard.
Backed by
The insurers and partners behind your cover.
Cover built for serving the public.
Every service puts customers, staff and hot equipment in one small space.
Customers in all day
A spilt drink, a wobbly chair, a step in the dark. Public Liability pays the claim when a customer is hurt or their property is damaged on your premises.
Kitchens are where staff get hurt
Burns, cuts and slips during a rush. Employers' Liability is required by law once you employ anyone, and it pays when a member of staff is injured at work.
What you serve, you answer for
An allergic reaction, food poisoning, a foreign body. Products Liability answers the claim that something you served or sold caused harm.
The policies that matter most
The core modules for hospitality and food. Products Liability sits alongside Public Liability for what you serve or sell.
Get a quote- Public LiabilityClaims from third parties — clients, the public, anyone who isn't your employee — for injury or property damage linked to your business.
- Employers' LiabilityRequired by law once you employ staff. Claims from employees who are injured or fall ill because of their work.
- Business ContentsYour business equipment, stock and contents — loss, theft, damage.
- Legal ExpensesLegal costs and expert advice when a dispute hits — employment claims, tax investigations, contract and debt recovery — plus a 24/7 legal advice line.
Who this covers.
Hospitality and food businesses we cover. Search for yours when you start a quote, and we'll tell you if it needs review.
Cafés and coffee shops
Serving coffee, food and cakes to eat in or take away.
Restaurants
Serving meals to customers, licensed or unlicensed.
Takeaways
Cooking food for collection and delivery.
Pubs
Serving drinks and food, managed, tenanted or independent.
Delicatessens
Selling cooked meats, cheeses and specialist foods.
Butchers
Preparing and selling meat to the public.
Grocers and greengrocers
Selling fruit, vegetables and everyday groceries.
Off licences
Selling beer, wine and spirits to take away.
Food wholesalers
Supplying food in bulk to shops, cafés and restaurants.
Cafés and coffee shops
Serving coffee, food and cakes to eat in or take away.
Restaurants
Serving meals to customers, licensed or unlicensed.
Takeaways
Cooking food for collection and delivery.
Pubs
Serving drinks and food, managed, tenanted or independent.
Delicatessens
Selling cooked meats, cheeses and specialist foods.
Butchers
Preparing and selling meat to the public.
Grocers and greengrocers
Selling fruit, vegetables and everyday groceries.
Off licences
Selling beer, wine and spirits to take away.
Food wholesalers
Supplying food in bulk to shops, cafés and restaurants.
More than a policy
A dispute or a tax enquiry tends to land when you've least got time for it. Add Legal Expenses and you've got experts on the phone, and if you ever do need to claim, we get your notification straight to the specialist team appointed to handle it, and they take it from there, so a bad day doesn't derail the business.
Legal cover when disputes hit
- Employment & tribunal disputes
- HMRC tax & VAT enquiries
- Contract & debt recovery
- Crisis communications & PR
Experts on the phone
- 24/7 legal advice line
- Tax & VAT advice, weekday hours
- Confidential counselling, 24/7
Questions, answered.
Public Liability for customers, with Products Liability alongside it for what you serve, Employers' Liability for your team and Business Contents for the kitchen, fittings and stock.
Not by the covers sold here. Business Contents pays for stock damaged by insured events such as fire or theft, not food that spoils because equipment failed.
Yes. Takeaways still have customers at the counter, staff at the fryer and food that leaves with someone, so the same liability covers apply.
Usually. Most hospitality quotes come back online. Some go to an underwriter for review first, depending on how you cook and when you open, and we tell you if yours does.
Your cover is arranged with Kovrilo, a UK MGA backed by Mission.
Yes. We're an Appointed Representative of Stubben Edge (Risk) Limited, regulated by the Financial Conduct Authority (FRN 943286).