Lockton’s Hospitality Insurance Practice provides comprehensive, innovative, and cost-effective risk management and transfer solutions for our clients across hospitality industry. Our team has the depth of experience and specialist expertise to develop a risk and insurance strategy that is tailored to your needs today and is future proofed as your business evolves.

SECTORS

Hospitality Insurance

Insuring Hospitality. Securing Success.

You care about your customers. And you want to provide the best experience possible. But costs are rising and so are the risks you face. Across the breadth of businesses in the hospitality sector. Whether you’re running hotels, restaurants, pubs or serviced accommodation, there’s a lot to think about. That’s why you need comprehensive insurance protection. Protection that helps you - not just survive - but thrive.

Sector-specific expertise

We know the Hospitality sector and the challenges that come with it. That makes a big difference. You also benefit from our global scale and strong insurer relationships. Count on us for tailored risk solutions that keep your business safe.

Insurance covers available:

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Property Damage and Business Interruption

Liability

Cyber Risks

Construction Risks

Directors & Officers Liability

Claims Management

Crisis Management

Terrorism

Reputational Risk

Environmental

Analytics

Trusted expertise in the Hospitality sector

Curious about how to future-proof your hospitality business? Our brochure has the answers. Download it today and discover how Lockton can help.

Lockton Hospitality Practice brochure
PDF11346 KB

Hospitality Contacts

Placeholder image

Marc Hennessy CIP

Sales Lead
marc.hennessy@lockton.com
+353 1 858 5215

Placeholder image

Gordon D’Arcy

Introducer
gordon.darcy@lockton.com
+353 1 858 5282

Get in touch

Our latest hospitality insights

Hospitality FAQs

What is hospitality insurance?

Hospitality insurance is a specialised type of coverage designed to protect businesses in the hospitality industry, including hotels, restaurants, bars, and event venues. It offers financial protection against various risks and potential losses that can arise from operating in this sector. Whether you're managing a small pub or a large hotel chain, hospitality insurance helps safeguard your business, employees, and guests from unexpected events.

The hospitality industry is highly dynamic and exposed to a variety of risks, from property damage to customer injuries or cyber threats. Without comprehensive hospitality insurance, a business could face significant financial losses. Having the right insurance in place ensures hospitality businesses remain protected, compliant with regulations, and have greater resilience after an unexpected event.

Hospitality insurance typically includes public liability, property insurance, and business interruption cover, all designed to protect businesses like pubs, hotels, and restaurants from common industry risks. Public liability protects against guest or customer injury claims, while property insurance safeguards the business’s assets, including the building and contents, from damage.

Business interruption cover provides financial support if the business has to close due to incidents like fire or flooding. Additional cover, like cyber insurance or employers’ liability, may also be required. Working with an insurance broker can help ensure the policy covers all relevant risks, providing UK hospitality businesses with tailored, robust protection.

Business interruption insurance compensates hospitality businesses if they have to close temporarily due to events like fires, floods or equipment breakdowns. This cover is essential for hotels, restaurants, and pubs, because it provides financial support to cover lost income. Business interruption insurance helps businesses meet ongoing expenses like rent, utilities and payroll, even when they’re not operating.

In the hospitality sector, unexpected closures can have a severe impact on cash flow. Business interruption insurance helps bridge this gap, ensuring the business can recover smoothly without significant financial strain. It’s particularly valuable in cases where repairs or replacements could take weeks or months, helping businesses maintain financial stability and get back quickly to serving customers.