Insurance for Hospitality & Leisure Businesses

Smarter protection for people, premises, and guest experiences.

From boutique hotels and pubs to restaurants, gyms and event spaces, Sona Insurance helps hospitality and leisure businesses protect what matters most — your team, your customers, and the experience you deliver. We build policies that reflect the complexity of running a venue, not just the postcode on your license.

Why this sector needs specialist cover

Hospitality and leisure businesses face constant pressure to deliver consistently high service while managing large volumes of customers, bookings, and staff. Whether you’re running late-night operations, multi-site venues, or public-facing events, the risks are real — and often unpredictable.

From customer injuries to food spoilage, equipment failure to cancellations, a single issue can disrupt service, damage reputation, and cost thousands in lost revenue.

Where standard policies fall short

Off-the-shelf business insurance isn’t built for the pace or pressure of hospitality. It often overlooks:

  • Customer injury claims: linked to slips, spills, or on-premises incidents
  • Employee injury or illness: in high-pressure environments
  • Food spoilage: due to equipment failure or power loss
  • Cancellations or loss of licence: leading to loss of income
  • Inadequate public liability limits: for high-footfall venues
  • No cover for events: mobile catering or temporary staff
  • No business interruption cover: for equipment failure or utility issues

When downtime means lost bookings, reputation damage, or revenue drops, you need a policy that responds fast and flexibly.

How Sona Insurance bridges the gap

At Sona Insurance, we work with pubs, restaurants, hotels, gyms, clubs, venues, and catering providers to understand how your business actually runs — including shift patterns, guest numbers, kitchen equipment, live events, and regulatory requirements.

We build cover that keeps your operation running, your people protected, and your risks properly managed — with no jargon and real support.

Why choose Sona Insurance?

  • Tailored advice for hospitality & leisure – not just a generic SME quote
  • Protection for your team, your guests, and your premises
  • Cover for on-site, off-site and mobile operations
  • Support for multi-site venues – franchises and independents
  • Clear explanation of exclusions, limits and obligations
  • Responsive broker support – we act fast when you need us most

Relevant covers for your business

Commercial Combined Insurance: All-in-one cover for venues, equipment, staff and more

Combines property, liability, stock and business interruption into a single policy that reflects your site layout, operating hours and risk profile.

Public & Employers’ Liability Insurance: Protect your team and your customers — and stay compliant

Covers injury and damage claims from staff, visitors or third parties — a legal requirement and frontline defence for high-traffic hospitality businesses.

Cyber Insurance: Cover for booking systems, card payments and customer data

Protects against data breaches, ransomware and system outages — essential if you store customer info, take online payments or use cloud-based POS.

Private Medical Insurance: Support staff wellbeing and recover

Flexible cover for key staff or the wider team — improving retention and helping reduce absenteeism in busy service environments.

Accident & Travel Insurance: Protect your team wherever the job takes them

Covers serious injury, illness or travel disruption — especially important for site workers, project managers and employees working off-site.

Run your venue with confidence — knowing you’re properly covered

We don’t believe in one-size-fits-all quotes. Speaking to Sona Insurance means you get expert advice, tailored protection, and personal support — not just a price on a screen.

Call us today on 01206 694904 to discuss insurance for your hospitality or leisure business.

Contact Us to request a tailored quote