Hospitality
Hospitality and cafes
Cafes, restaurants, takeaways, bakeries, bars, and catering operators need insurance conversations that reflect real daily operations.
Risk signals
Common discussion points
- Customers and suppliers visiting the premises
- Cooking, refrigeration, stock spoilage, and equipment breakdown exposure
- Lease and landlord insurance requirements
- Seasonal revenue and interruption risk
- Staff, contractors, delivery, or catering away from premises
Covers often discussed
Potential cover areas
- Public liability
- Material damage
- Business interruption
- Stock and contents
- Employer-related and statutory liability discussions
Questions for the adviser
Bring these into the conversation
- How much revenue depends on one location?
- Are food safety, refrigeration, and maintenance records kept?
- Does the lease require specific liability limits?
- Do you provide catering, delivery, or events outside the premises?
Preparation tips
Before the meeting
- Prepare lease, asset, stock, and revenue information.
- Keep maintenance, cleaning, and equipment records.
- Document any delivery, catering, or event activity.
Prepare your risk context before the adviser conversation.
iCura helps organise the facts, questions, and renewal signals that make insurance advice more practical.