Insurance for Hospitality & Leisure Businesses

Restaurants, takeaways, pubs, hotels, and leisure centres.

Running a restaurant, takeaway, catering business or leisure venue isn’t just about service — it’s about managing risk, compliance, staff, stock, and your reputation. Whether you own a single-site eatery or a group of venues, you need an insurance policy that understands the pace and complexity of your world.

At Qudos Insurance Brokers, we work with independent food outlets, chains, mobile caterers, and leisure operators across the UK to build bespoke insurance packages that go far beyond basic cover.

What Does Restaurant & Catering Insurance Cover?

Every business is different, but key areas of cover typically include:
  • Public Liability Insurance – Covers injuries or property damage to customers, delivery drivers or suppliers while on your premises.
  • Employers’ Liability Insurance – Legally required if you employ chefs, waiting staff, drivers, cleaners or kitchen assistants.
  • Stock & Contents Cover – Protects ingredients, food & drink stock, fridges, cookers, POS systems and furnishings from theft, fire, or equipment breakdown.
  • Business Interruption Insurance – Covers lost income if you’re forced to close due to fire, flood, storm damage or serious equipment failure.
  • Food Spoilage Insurance – Protects chilled and frozen stock in case of fridge/freezer failure or power cuts.
  • Product Liability Insurance – Covers you if someone claims they became ill after eating your food or drink.
  • Money Cover – Cash on premises or in transit to the bank.
  • Legal Expenses Insurance – For staff disputes, lease issues, licensing, or claims handling.
  • Loss of Licence Cover – Essential if your business serves alcohol.
  • Goods in Transit (Optional) – Ideal for mobile caterers and food delivery businesses.

Who Needs This Cover?

We insure hospitality businesses of all types and sizes, including:
Food & Beverage Businesses
  • Restaurants & Bistros
  • Takeaways & Fast Food Shops
  • Fine Dining & Tasting Menu Venues
  • Shisha Lounges & Dessert Parlours
  • Cafés, Tea Rooms, and Bakeries
  • Cloud Kitchens & Dark Kitchens
  • Franchised Outlets
Mobile & Event Caterers
  • Street Food Vendors
  • Wedding & Party Caterers
  • Food Truck Operators
  • Pop-Up Kitchens & Seasonal Vendors
  • Mobile Bars & Coffee Vans
Leisure Venues
  • Ice Cream Parlours
  • Bowling Alleys with Food Service
  • Amusement Arcades & Family Entertainment Centres
  • Food Halls or Shared Hospitality Spaces

Types of Risks We Cover

Running a food or leisure business comes with unique challenges. We help protect against:
  • Customer injury or foodborne illness claims
  • Staff accidents or employment tribunal disputes
  • Theft, fire or flood at your premises
  • Fridge breakdown and stock spoilage
  • Licensing issues or regulatory investigations
  • Sudden income loss due to forced closure
  • Accidents involving delivery drivers or mobile kitchens

Why Choose Qudos?

We’ve helped countless restaurants, takeaway owners and leisure venue operators protect their kitchens, reputations, and income with insurance that actually works when you need it.

  • Same-day quotes
  • Flexible cover for single or multiple locations
  • Expert advice for start-ups, franchises & group operators
  • Optional cyber cover for booking, EPOS & ordering systems
  • Fast turnaround for certificates required by landlords, festivals or local councils

Ready to Get Covered?

Whether you’re opening your first kitchen, running a multi-site brand, or launching a new concept, our hospitality insurance experts are here to help.

Contact us today for a tailored quote — or visit our FAQ hub to explore more hospitality & catering insurance guides.