Pubs and Restaurants insurance is made for hospitality businesses that serve food and drinks, manage staff, and depend on their premises. These businesses face risks that can impact both safety and finances.

Property damage is a major worry. Fire, kitchen accidents, water leaks, theft, or vandalism can all disrupt business. Kitchens are especially risky because of cooking equipment and open flames. Damage to equipment or fittings can stop trading until repairs are done.

Stock is important too. Food and drink can spoil, so losses can happen from damage or if equipment like fridges break down. This can cause immediate costs and disrupt business.

Dealing with customers brings more risks. Slips, trips, or accidents can lead to injury claims. Problems with food safety or service can also lead to claims, even if you follow all the right steps.

Pubs and Restaurants insurance usually brings several types of cover together in one policy. Property insurance protects your building and contents. Public liability covers claims from customers or visitors. Employers liability is included if you have staff. Business interruption cover helps replace lost income if you can’t operate after an insured event.

You can also add cover for things like stock going off, equipment breakdown, or loss of licence, depending on what your business needs.

At base Insurance, we help hospitality businesses get cover that matches how they work. We look at things like seating, food prep, staff numbers, opening hours, and location. These all affect your risks and the policy we recommend.

Pubs and Restaurants Insurance gives you vital protection, so unexpected problems don’t lead to long-term disruption or financial stress.