Hospitality Insurance

Protect Your Hospitality Business with Tailored Cover from DPI Insurance

Running a hospitality business comes with unique risks — from public liability claims arising from slips and trips, to property damage caused by kitchen fires and product liability issues linked to food safety. At DPI Insurance, we help hospitality businesses protect what matters most with specialist insurance designed with the sector in mind.

We work with underwriters who understand the unique requirements of the hospitality industry, enabling us to recommend tailored policies designed specifically for the industry. Our professional team of chartered insurance trained experts work closely with you to understand your risks and secure a policy that truly fits your business. Whether you operate restaurants, cafés, bars, hotels or catering services, we’ll find comprehensive, competitive cover from a panel of A-rated insurers, specialist underwriting agencies and the Lloyd’s market to suit your needs.

Experienced hospitality business operators know that issues rarely arise when purchasing insurance, but when making a claim. DPI differentiates itself by conducting detailed fact-finds, delivering professional advice and arranging comprehensive policy wordings to suit all hospitality needs. Our depth of knowledge ensures you are fully protected, not only at the point of purchase but, critically, when a claim occurs.

Why Your Business Needs Hospitality Insurance

Even the most experienced hospitality businesses face potential disruptions. An accident on your premises, property damage, employee injury or a customer claim could cause serious financial and operational strain. Hospitality Insurance helps transfer those risks to an insurer — providing financial protection, legal compliance and peace of mind.

With DPI Insurance, you’ll benefit from:

• Tailored cover designed around your operations and risk profile
• Exclusive access to competitive hospitality trade insurance rates
• Expert guidance from brokers who understand the hospitality sector
• Dedicated claims support when you need it most

Depending on your activities, we can also arrange specialist cover such as:

• Event Cancellation Insurance – Covers financial losses arising from the cancellation or postponement of planned events due to unforeseen circumstances.
• Cyber Insurance – Provides cover for financial losses, legal liability and expenses arising from cyber-attacks, data breaches and network failures.
• Directors and Officers Liability Insurance – Protects company directors and officers against claims alleging wrongful acts, errors or omissions in the management of the business, including legal costs and settlements.

How to Get a Hospitality Insurance Quote

Getting a quote with DPI is quick and straightforward.

• Click “Start Your Quote.”
  Fill in your contact details using our online form.
• We’ll get in touch.
  A dedicated advisor will carry out a fact-find to understand your business, assess your risks and identify what you want to protect.
• We search the market.
  Your details are submitted to our extensive panel of A-rated insurers, specialist underwriters and the Lloyd’s market where appropriate.
• Receive your tailored quote.
  We’ll present your options clearly, explain the terms and ensure you have complete confidence in your cover.

Our goal is to make arranging Commercial Insurance for Hospitality Businesses simple, transparent and stress-free.

What Happens if You Need to Make a Claim?

If the unexpected happens, our dedicated claims department is here to help you every step of the way. We know that a swift, fair settlement is vital to keeping your business on track.

When you contact us:

• We’ll listen carefully to understand your loss.
• We’ll liaise directly with your insurer to progress the claim efficiently.
• You’ll be kept updated throughout the process until resolution.

Call 0161 763 5277 (Option 3) or email claims@dpi-insurance.co.uk to start your claim.

How Much Does Hospitality Insurance Cost?

The cost of your insurance will depend on several factors, including:

• The activities of your hospitality business and opening hours.
• Your turnover, wage rolls and number of employees.
• The value of your material damage (kitchen equipment, stock, contents) and business interruption.
• Your premises construction, security and location.
• Claims history and risk management measures.

At DPI Insurance, we use our strong relationships with major insurers to negotiate competitive premiums and preferential cover terms on your behalf. You’ll receive a policy that balances comprehensive protection with great value.