Hospitality Insurance
Insurance for Restaurants, Accommodation & Food Services
Whether you’re running a hotel, guesthouse, restaurant, pub or takeaway, your insurance requirements will be shaped by the particular needs of your business. A range of factors – including the number of staff you employ, the number of rooms in your establishment, whether you serve food, host events, or have extra facilities like a pool or gym – will determine the extent and severity of risk.
It is because of this diversity that ‘one size fits all’ policies and online comparison sites simply do not work for your industry. Instead, you need a broker who understands the needs of your business and can quickly identify areas of risk, recommending policies that address these vulnerabilities whilst ensuring you are not paying for coverage you don’t require.

8 Ways We Can Help

Policies for Restaurants, Accommodation & Food Services
Each of our client’s requirements are unique, but here are a few of the specialist insurance policies available to restaurants, accommodation and food service businesses.
Take a look at Our Process to find out how we work to get the best insurance solution for your business.
Hospitality Insurance
What is Hospitality Insurance?
Hospitality insurance is a comprehensive package designed specifically for businesses in the hospitality sector – think hotels, restaurants, pubs, cafés, and even event venues. It provides cover for the unique risks that come with running a hospitality business, from accidental injuries on your premises to equipment damage or even loss of income due to unforeseen disruptions.
Imagine your best chef accidentally cuts their hand and can’t work, or a pipe bursts and floods your dining area – without insurance, you’re left footing the bill. Hospitality insurance steps in, offering you financial and operational peace of mind.

Who Does Hospitality Insurance Cover?
Hospitality insurance is as flexible as the industry it serves. It caters to:
Restaurants, Pubs, and Bars : Covering property, staff injuries, and liability claims.
Hotels and B&Bs : From guest injuries to damage to their belongings, you’re covered.
Cafés and Coffee Shops : Protecting your equipment, stock, and customers alike.
Event Spaces : Handling public liability for events you host or cater.

What’s included in a Hospitality Insurance policy?
Management Risk Toolkit
If you’re interested in learning more about Restaurants, Accommodation & Food Services and how we can protect your business, please give us a call on 01730 265500 or email one of our hospitality Insurance specialists, Simon Gubbins or Danny Toull.
What’s included in a Hospitality Insurance policy?
We get it – no two hospitality businesses are the same. That’s why we tailor our policies to suit your needs. With years of experience helping businesses like yours, we’re experts in hospitality insurance. You focus on delighting your guests; we’ll handle the risks.
We’re specialists in the hospitality sector: we’ll help protect your property, staff, guests, reputation and income through policies tailored to meet your needs.

Ready to Protect Your Business?
Frequently Asked Questions
What Our Clients Say
Simon has been great, managed to get me indemnity insurance and office insurance with better cover and cheaper than I had been offered elsewhere. Smooth, friendly and efficient process. Perfect outcome!
Marie was extremely professional and handled the issue of insuring my late father’s house with tact, sensible questions and an effective result! Thank you
Helped me with business insurance as my current provider were playing silly games.
I like the fact Danny could interrogate the policy wording to ensure I was properly protected.
Thank you for all your time and help.
We have used Robison & Co for many years. They always research the best options for us and discuss them clearly. We have a good relationship and I am very happy with the service they continue to provide.
I can always rely and trust Robison and Co to give us their best personal attention and product that’s the very best fit for us at a highly competitive price
Robison are professional, helpful and deliver updates in a timely manner – Protection & Investment Limited
Robinson & Co is professional, reliable and responsive. What more do you want?!
Robison & Co have always provided an excellent service with a professional and friendly approach and the willingness to spend time reviewing and supporting support requests.
Called Jack late on a Friday afternoon and he promised to email on Monday, which he did. The following day I was able to pop into the office and pay, all sorted without very little hassle and what we think is a fare price for our small business. We have never had to and hope not to make a claim so cannot comment on any further service. I would certainly recommend you Jack and thank you.
Robison and Co have provided excellent, good value insurance for all my personal needs for more than 20 years I would highly recommend them to anyone needing insurance for personal and business needs. They offer good value, a personal approach, and timely response and support when claims are required and also offer timely reminders when renewals are due. They offer exceptional value for money.
Professional and cost effective service
Marie made renewing my home insurance surprisingly easy. She was friendly, efficient and completely discreet throughout, which I really appreciated. Nothing was too much trouble and the whole renewal process felt straightforward and stress-free thanks to her help.
Excellent service from Jack at Robison’s. He explained my questions ( I had lots ! ) and helped me obtain a buildings insurance that met my needs. Couldn’t ask for better. Highly recommended
Great Efficient Service and a competitive price
Always a pleasure to deal with Jack @ Robison,
They have handled our business insurance for more than 10 years and always competitive, carefully considered options for us and great communication and service.
I have insured my car with Robison’s for over 30 years now, says it all really, top notch service at all times !!!!
Extremely helpful and professional
We have been with Robison for many years now. We were very grateful for the major savings we made with the transfer to Robison. Every year Simon does an extensive review of the market, and we are very confident that he has come up with the best price. Simon and his team are always available should we need help, also Simon is always happy to talk to our customers if needed.
This company go above and beyond for their clients. I receive an efficient but more importantly a very personalised service. I have been a client for over a decade now and all my insurance is done through this firm. Marie looks after me and always replies to my questions whatever time of day. As I travel alot it makes all the difference to know “Marie has my back” whatever time of day it is. I was on the receiving end of what I took to be a fraudulent claim scam that was drawn out over a year. I always felt Marie believed me and helped me refute the claim and fight the case. We won in the end but often businesses choose to take the easy option and “roll over” when such a claim is made but these are honourable people with integrity. It is often when things go wrong that you really see the value of the company and particularly so with insurance. This company is still small enough to offer a personalised service and to really care about their clients. Thank you!
Marie is always at the end of the phone ready to sort out anything I throw at her! Usually, my premiums are lower year on year, and I know she has my back covered. She is personable, always good humoured and gives me the best advice
Very helpful, friendly and knowledgeable insurance broker. Helped me out when I was struggling to find a decent yet affordable policy for doing business with the (rather litigious!) USA.
Excellent bespoke service from all at Robison’s. Renewals are no longer dreaded now I have their help. Thanks Kerrie and Danny!
Simon’s role as Managing Director of Robison & Co is characterised by considerable experience in the field of insurance, excellent customer care and an innate understanding of his clients’ diverse and often complex requirements. His advice is pertinent, timely and invariably of a high order and he demands similar standards of his motivated team. Strongly recommended from a business and client point of view.
These guys are simply the best! Their understanding of my requirements, their diligence in getting sensible and rational quotes, and their all-round professionalism makes Robison & Co a top team, the best team. I use Robison & Co for property insurance, restaurant cover and business travel. If they flew aircraft, I’d fly with them.
We have worked with Simon and his team at Robison for all our business insurance needs for many years now. The experience and knowledge are nothing short of outstanding. From the start, they always take the time to understand our operations, identified potential risks we hadn’t considered, and tailored a policy that fits perfectly. They are true partners in protecting our business. Their responsiveness, transparency, and ability to explain complex coverage in plain language makes the process smooth and stress-free. Highly recommend to any business looking for reliable, knowledgeable, and customer-focused insurance support.