Food and Hospitality Insurance

CUL has negotiated special terms for food and hospitality through our Lloyd's Market Cover. This means we can offer you an extensive range of covers for a competitive premium. This, combined with our many years of experience within this highly specialist insurance sector, has allowed CUL to become recognised as a leading provider of food and hospitality insurance protection.


Get Your Food and Hospitality Insurance Today

To find out how CUL's food and hospitality insurance can help your clients, or to get food and hospitality cover, please get in touch. You can call the team on 0800 3081 044 or email us by clicking here. Alternatively, if you have an agency, you can buy cover online through our sister company's website, Policyfast.

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Wine Bar & Pub

From gastro pubs to wine bars, CUL's wine bar and pub offering is second-to-none, offering protection against business interruption, liability and loss of licence.

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Café Insurance

CUL's café insurance offers public liability and business interruption cover, and caters for a café's specific risks - frozen food and glass cover all in one policy.

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Restaurant Insurance

CUL's restaurant insurance scheme offers vital general cover – liability and money – with valuable additions such as a 25% increase in seasonal stock cover.

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Takeaway Insurance

This simple solution to takeaway insurance gives comprehensive cover for everything from frozen food to material damage including accidental damage.

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What Types of Food and Hospitality Business can CUL Cover?

  • Public houses
  • Restaurants (all cuisines)
  • Cafés and coffee shops
  • Fish and chip shops
  • Kebab, burger, fried chicken and pizza takeaways
  • Outside caterers
  • Wine bars

What are the Benefits of CUL's Food and Hospitality Cover

  • Fire alarm discount up to 5% off
  • If the insured or staff live above the premises a discount of 10% is applied
  • Legal protection cover is automatically provided
  • Hygiene ratings over 3* will be subject to a 5% discount
  • Liability cover given in isolation
  • Up to 20% off when the client has had no claims in the past 4 or more years

Comprehensive Food and Hospitality Insurance Cover

With CUL's protection, your catering clients can be insured against risks including;

  • Fire
  • Flood
  • Lightning
  • Explosion
  • Earthquake
  • Riot damage
  • Malicious damage
  • Storm damage
  • Escape of water and oil
  • Impact
  • Theft and accidental damage

Subsidence and householders' general contents cover can also be added as optional extensions.

What are the Standard Limits of CUL's Food and Hospitality Cover?

  • Business interruption (gross profit basis) - £500,000 with a 12-month indemnity period
  • Book debts - £10,000
  • Goods in transit - £1,000
  • Loss of money - £5,000
  • Loss of licence - £100,000
  • Deterioration of stock - £2,000
  • Glass, signs, blinds - £10,000
  • Employers' liability - £10,000,000
  • Material damage – elect sum insured
  • Public and products liability - £2,000,000
  • Frozen food - £2,000
  • Legal expenses - £100,000

These standard limits can be increased if required:

  • Cafés (no frying ranges) - £391
  • Sandwich shops - £391
  • Fish and chip shops - £625
  • Public houses/wine bars - £1,035
  • Kebab, Chinese, pizza takeaways - £625
  • Restaurants - £625
  • Ice cream parlours, pancake and waffle shops - £391
  • Tea rooms, coffee shops - £391
  • Bakeries - £625

Other features of our caterers' insurance product include:

  • Legal costs and expenses (and employment compensation awards)
  • Seasonal increase of stock up to 25% at Christmas and Easter
  • Material damage providing full perils including accidental damage