Hospitality & Leisure
Built for resilience. Designed for risk.
Successful hospitality businesses don’t just respond to disruption; they plan for it. From shifting consumer behaviour and staffing pressures to regulatory change and rising operating costs, the sector faces a uniquely complex risk environment. If your cover doesn’t keep up with the realities of how you trade, the impact on your revenue and reputation can be immediate.
At DR&P, we identify hidden exposures, close dangerous cover gaps, and structure protection built around your operational realities. Whether you run a boutique hotel, a national restaurant chain, or a local sports club, we help you stay compliant, protected, and profitable.
Understanding the risks that stop businesses in their tracks
Hospitality is an unforgiving, high-footfall environment. One incident, from a supplier failure to a safeguarding issue, can disrupt your ability to trade.
We understand the pressures you face:
- Customer safety and staff wellbeing in high-pressure environments.
- Non-damage business interruption and its impact on debt service.
- Reputational damage following social media-amplified incidents.
- Regulatory shifts and evolving employment practices.
- Cyber threats targeting booking systems and customer payment data.
That’s why our focus is simple: anticipate risk, control cost, and protect your continuity.
Comprehensive and customised cover
- Property & Assets
- Protection for buildings, contents, and specialist kitchen or leisure equipment.
- Business Interruption
- Profit protection against operational downtime, including non-damage BI extensions.
- Public & Employers’ Liability
- Cover designed for customer-facing environments and complex people risk.
- Management Liability (D&O)
- Protection for directors aligned to governance and employment-related exposures.
- Cyber & Data Risk
- Safeguarding booking platforms, digital payments, and sensitive customer data.
- Product Liability
- Specific protection for food and beverage service and potential health risks.
- Specialist Extensions
- Tailored cover for seasonal trading peaks, events, and licensed premises.
- Engineering Inspection
- Statutory inspections for lifts, pressure vessels, and kitchen extraction systems.
Who we work with
We support hospitality and leisure businesses across the UK, including:
- Hotels and guesthouses (boutique, independent, and chains).
- Restaurants and cafés.
- Pubs, bars, and licensed premises.
- Private members’ clubs and social hubs.
- Sports clubs, gyms, and leisure centres.
- Social and community clubs.
What sets DR&P leisure & hospitality apart
In-house claims handling
Dedicated claims professionals who understand hospitality risks—driving fast, fair outcomes to minimise operational disruption and protect your brand.
Proactive risk management
A forward-looking approach that helps you manage people risk and debt service obligations, rather than just insuring against loss.
Exclusive market access
Relationships with leading UK and international insurers, enabling broader coverage and more competitive terms than standard market offerings.
Bespoke policy wordings
Access to specialist wordings designed to address specific operational risks, from seasonal fluctuations to loss of licence.
Data-driven risk control
We help you reduce loss frequency and stabilise premiums by combining sector insight with responsive, data-led risk management.
High-touch lifecycle support
Hands-on technical support across placement, renewal, and mid-term adjustments—ensuring your cover evolves as fast as consumer trends.
