Eating, Drinking and Hospitality


Larger single or multi-location leisure and hospitality premises.

Key description

Our flexible product provides a range of tailored covers for businesses in this sector, while providing those with multiple premises the benefit of a single policy to administer.

Optional covers

  • Property protection, including Changing of Locks £5k and Stock seasonal increase of 25% between November and January or any other 3-month period
  • Income protection, including Unspecified Suppliers up to £50k, Loss of Attraction (1-mile radius) up to £50k, Full failure of Public Utilities up to £50k, Prevention of Access up to £50k and Alternative Accommodation for resident/steward/manager/owner up to £25k
  • Public Liability, including legal expenses and costs in defending prosecutions under all relevant health and safety legislation
  • Charities/not-for-profit organisations – Property protection, including bequeathed contents up to £25k and Stock and Contents at fundraising events or events where the insured is providing catering anywhere in the European Economic Area up to £5k, and Income protection following adverse publicity or death of a patron up to £25k
  • Workplace or IT Recovery Services cover, providing up to £25k to reimburse outsourced annual contract fees paid/payable or additional costs of replacing in-house facilities or services.

You can add cyber cover to this policy

You can add cyber cover to any commercial combined policy (excluding Fast Trade) at new business, mid-term or renewal – just get in touch with your usual underwriter.

Find out more about Cyber

Alternative products

  • Pub, Restaurant & Hotel: For smaller hospitality businesses with lower cover limit requirements.
  • Commercial Combined: For small to medium sized businesses up to 10 premises with a total combined sum insured of £5,000,000

Selling points

For more information about Target Market statements please visitleisure.


Key documents

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All current documents

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We recognise the impact a claim can have on your customer’s business. We want to get them back to normal as quickly as possible.

Claims contacts and services

New claims

Fast and simple notification of claims.

  • Notify new commercial property claims 24/7/365 - online or by freephone, fax or e-mail.
  • 24/7/365 help from emergency plumbers, glaziers and locksmiths to ensure your customers aren’t left in a vulnerable position.
  • UK-based.
  • Rapid deployment of loss adjusters.
  • Tried and tested weather response plan.

Reported claims

Claims experts:

  • Dedicated commercial property teams in Southend and liability teams in Glasgow.
  • Proactively minimise impact of a claim to your customer’s business.
  • Interim payments to keep your customers trading.
  • Online claims tracking.
  • 12 months guarantee on repairs carried out by our approved network.
  • Claims solutions for all your customers - from sole traders to large organisations.

Service channels

Cross-sell products

  • Minifleet: For businesses with three to 12 vehicles
  • Fleetwise: For larger business fleets of 13 or more vehicles
  • Commercial Crime: Comprehensive protection against loss of money, stock, equipment or machinery following theft or fraud by employees
  • Directors & Officers: Providing directors and officers with protection against claims, such as negligence, brought by other parties including shareholders, customers, suppliers and employees
  • Group Personal Accident, Sickness & Business Travel: Protection for the business or its employees against a number of unplanned incidents.

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