Hospitality & Tourism Insurance
Protect your business with tailored hospitality insurance from Cotter Insurance, reliable cover designed around the way you operate.
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Insurance for hospitality and tourism businesses
Hospitality isn’t like other industries. Your staff numbers double in summer and halve by October. Your buildings are often listed, old, or both. Your kitchens push out hundreds of covers a day. And guests trip on steps, slip on wet floors, and have allergic reactions to things they forgot to mention.
Standard commercial cover doesn’t account for any of that. Seasonal trading means your revenue swings wildly from one month to the next. A forced closure during peak season can wipe out the most profitable weeks of your entire year. And if your premises licence gets pulled, you could be shut overnight with no income and the same overheads.
That’s where we come in. Tell us about your business, how it operates, when it’s busiest, and what keeps you up at night. We’ll connect you with a specialist insurer who actually understands hospitality and can build cover around the way your business really works.
What does hospitality insurance cover?
Public and products liability
If a guest is injured on your premises or falls ill from something you served, this is the cover that handles the…
Employers' liability
If you’ve got staff, you need this. It’s a legal requirement. That includes your seasonal workers, part-timers, weekend bar staff, and casual…
Buildings and contents
Your property and everything inside it. Commercial kitchen equipment, dining furniture, bedding, bar stock, outdoor seating, and electrical systems. The policy needs…
Business interruption
If a fire, flood, or other insured event forces you to close, business interruption cover pays for the revenue you would have…
Stock and refrigerated goods
Restaurants and pubs carry serious stock. A freezer breakdown overnight can write off thousands of pounds of food in one go. Stock…
Loss of licence
If your premises licence is revoked or suspended, your ability to trade disappears with it. For pubs, bars, and licensed restaurants, this…
Tell Us About Your Business
Share a few details about your hospitality business and we’ll connect you with a specialist insurer who understands your sector.
What businesses do we cover?
We work with specialist insurers across the hospitality and tourism sector. Whatever your business, tell us about it, and we’ll find the right insurer for you.
Hotels and boutique hotels
Bed and breakfasts and guest houses
Restaurants and cafes
Pubs, bars, and gastropubs
Takeaways and mobile food vans
Surf schools and outdoor activity centres
Caravan parks and camping sites
Visitor attractions and heritage sites
Event venues and wedding venues
Boat trip and excursion operators
Why does seasonal trading change your insurance?
A coastal hotel that’s packed from May to September and half-empty from November to February has a completely different risk profile to a city centre hotel with steady bookings year round. Your insurance should reflect that reality.
Seasonal cover adjustments mean you’re not overpaying in January for a risk level that only applies in August. Staff numbers change. Revenue changes.
The number of guests on your premises changes. A well-structured policy accounts for all of this. A poorly structured one treats every month the same and either overcharges you or leaves you underinsured during the weeks that matter most.
When you tell us about your business, we make sure the insurers we connect you with understand seasonal hospitality. They price the risk properly, which means better value for you and a cover that actually matches how your business operates throughout the year.
FAQs
You need employers’ liability in place before any employee starts work, and that includes seasonal workers, casual staff, and part-timers. When you get in touch with us, let us know your peak and off-season headcount. We’ll connect you with an insurer who can structure the policy to reflect those changes throughout the year.
Yes. Products liability, which is included in most hospitality policies, covers claims from food or drink you serve. If a guest becomes ill from something prepared in your kitchen, the policy covers the claim and any associated legal costs. Tell us about your business and we’ll make sure you’re matched with an insurer who covers this properly.
Activity centres need specialist cover, but they sit under the same broad umbrella. You’ll likely need public liability, professional liability for instruction, equipment cover, and potentially marine cover depending on your activities. Get in touch, and we’ll connect you with an insurer who specialises in this area.
Some policies allow seasonal adjustments where your premium reflects the reduced risk during quieter months. Not every insurer offers this, which is exactly why it’s worth talking to us. We work with specialist hospitality insurers who understand seasonal trading patterns and can structure your cover accordingly.
Business interruption cover pays for the revenue you would have earned during the closure. For hospitality businesses, a peak season closure can be financially devastating. We always recommend making sure your business interruption cover includes an indemnity period long enough to cover the full rebuilding timeline. Tell us about your business and we’ll connect you with an insurer who gets this right.