Hospitality & Food Service Insurance

At Insurance Broking Services, we understand the unique challenges faced by businesses operating in the hospitality and food service industry. Whether you run a restaurant, cafe, pub, hotel, catering business, food truck, or venue, you operate in an environment where the risks are constant, varied, and sometimes severe. A single food contamination incident affecting dozens of guests can generate liability claims exceeding $100,000 in damages and legal costs alone. Liquor liability exposure at licensed venues extends well beyond your premises — if an intoxicated patron causes harm after leaving your venue, your business can be held liable. Fire risk is elevated by commercial kitchens, high fire loads, and extraction systems that require regular maintenance to satisfy insurer obligations. Business interruption from an unplanned closure — whether caused by a kitchen fire, equipment breakdown, or health authority order — can quickly become more costly than the original incident. And the growing reliance on integrated reservation, payment, and point-of-sale systems means cyber exposure is now a genuine risk for even the smallest hospitality business. We leverage our industry knowledge and insurer connections to build tailored insurance solutions for your situation, ensuring your venue, your staff, your guests, and your livelihood are properly protected.