Hospitality Business Insurance
Why hospitality businesses need insurance
Hospitality venues face a higher level of risk due to customer foot traffic, food preparation and reliance on specialised equipment. Even a short disruption can impact revenue and reputation.
Common risks include:
• Customer slips, trips or injuries
• Equipment breakdown such as refrigeration or cooking appliances
• Fire or water damage to the premises
• Food spoilage due to power failure
• Loss of income following an insured event
Insurance helps manage these risks and supports business continuity.
What hospitality insurance can include
When arranging insurance for your hospitality business, you can choose cover options that suit how you operate. These may include:
Protection if a customer is injured at your venue or if their property is accidentally damaged
For damage to your premises, furniture, fixtures and stock caused by insured events.
Support for lost income and ongoing expenses if your business cannot operate after an insured event.
Cover for sudden failure of essential equipment such as refrigerators, ovens or coffee machines.
Protection for food and perishables affected by equipment breakdown or power outages.
Cover for shopfront glass, windows and internal glass features.
Protection for stolen stock, cash or damage caused by a break-in.
How Midas supports hospitality businesses
We compare insurance options from multiple insurers to help you find cover that suits your venue, operating hours and equipment. You receive clear advice, tailored solutions and support when you need to make a claim.
Our focus is to help you avoid gaps in your policy and make sure you have support when you need it.
Retail sectors we work with
Cafes and coffee shops
Restaurants and bistros
Bars and pubs
Catering businesses
Takeaway and food outlets
Event and function venues
Take the next step
Get insurance that supports your venue, your staff and your customers.
You can also explore our Business and Commercial Insurance page to see all available cover options.
Client Experiences with Midas
Don't Leave Your Assets Unprotected!