In addition to standard business risks, hospitality businesses face particular health and safety hazards, which is why having specialist hotel and restaurant insurance is so important.
Despite the care you take, a diner could suffer food poisoning or an allergic reaction. A guest, or member of staff, could slip and injure themselves on a wet floor. A bathroom could flood, damaging your and your guests property.
All such events and more could lead to costly claims.
You business might also depend upon an alcohol licence. What if events outside of your control led to its suspension or loss? Could you afford any subsequent loss of turnover and legal costs required to appeal and seek the return of something that could be vital to your business.
At RBIG we share your service ethos. Our expert advisors are always keen to work hard to deliver satisfaction, sharing their hospitality industry experience and expertise to find the best hotel and restaurant insurance for your business.
Because we recognise that no two hospitality businesses are the same, we offer a bespoke, client-driven service.
We understand that a single hotel or restaurant may have different needs and face different risks than a chain.
That guesthouses and B&Bs deliver a different service to hotels.
That restaurants offer not simply different cuisines, but operate different business models. As well as waiter and self-service dining rooms, they might embrace app-enabled takeaway services or offer bring-you-own-bottle rather than be licensed to serve alcohol.
Because these differences may matter when it comes to determining the best policy and provider for your business, our advisors will invest the time necessary to really understand your business.
As a long-established and highly respected broker, RBIG has over many years forged highly productive partnerships with key business insurers serving the hospitality industries. Our advisors will draw upon those relationships and their own sector-specific expertise to find the most effective and affordable solution.
This could be a standard or bespoke policy created specifically for your business.
To meet the diverse requirements of hospitality industry owners and operators, we offer a variety of cover options. These include standard business insurance protections alongside specialist cover to protect against specific risks which hotels and restaurants may face.