Supporting Hospitality with Insurance That Works
In the hospitality industry, no two businesses are exactly alike. Whether it’s a neighbourhood café, a fine dining restaurant, or a boutique hotel, each has its own pace, challenges, and pressures. We understand what’s at stake, and we're here to help protect what you’ve built.
From equipment breakdowns and staff injuries to food safety issues, liability claims, and unexpected business disruption, the risks are real and all too often. Business owners only realise their insurance isn’t adequate when they need it most.
At Sage Insurance, we specialise in tailored insurance solutions for the hospitality sector. With years of experience supporting cafés, restaurants, boutique hotels, bars, and caterers, we understand the distinct challenges you face, and the level of protection you need to keep your business resilient.
Lessons from Real Experience
One of the most common concerns we hear from venue owners is uncertainty: “Will our insurance respond when we need it most?” That’s why we take a proactive approach, not only ensuring the right cover is in place but also advocating for our clients during the claims process.
After a major fire at Croutons Fine Foods, owner David McLean saw firsthand the difference it makes to have expert support and appropriate cover in place:
“Thanks to the business interruption cover arranged by Sage Insurance, we were able to maintain cash flow, retain staff, and focus on rebuilding without the added stress of financial instability. Their expert handling ensured the claims process was smooth and efficient.”
- David McLean, Croutons Fine Foods
For Carmelo Fato at Two Little Monkeys Café, a comprehensive review of his existing policies revealed several critical gaps, including stock deterioration and machinery breakdown, risks that are often overlooked in standard cover:
“Sage Insurance identified and addressed significant shortfalls in our previous policy and provided tailored, comprehensive protection. We now have confidence that our business is adequately covered should a major loss occur.”
- Carmelo Fato, Two Little Monkeys Café
Common Gaps in Hospitality Cover
Every venue is different, but some of the most frequent gaps we identify include:
Management Liability: Many policies exclude vital protections for directors, officers, and business owners. In particular, employment practices liability, with allegations of unfair dismissal, harassment, and wrongful termination becoming more frequent. Having coverage in place can help defend your business and reputation.
Public & products liability: Inadequate limits for injury or illness claims
Business interruption: Limited or no cover for revenue loss following closures and key staff wages in the event your business is impacted by an insurable peril
Machinery breakdown: No provision for refrigeration or kitchen equipment failure
Loss of goods in cold storage: Refrigerated stock, wine holdings, and off-site dry-aged meats may not be adequately covered for spoilage or loss if cold storage fails, leading to substantial financial loss.
Cyber risks: Exposure to data breaches and payment system interruptions
We also support clients with workers’ compensation, liquor liability, property protection, and risk management strategies to reduce the likelihood of claims.
Who We Work With
We proudly support a wide range of hospitality businesses, including:
Independent cafés and coffee shops
Fine dining restaurants
Boutique hotels and B&Bs
Bars, nightclubs, and takeaway venues
Catering companies and more
A Practical Next Step
If your current insurance hasn’t been reviewed recently, or if you’ve had poor experiences in the past, it may be time for an expert assessment. Our no-obligation health check offers clear feedback on your existing coverage, identifies any shortfalls, and outlines practical options tailored to your venue’s needs.
In the hospitality industry, no two businesses are exactly alike. Whether it’s a neighbourhood café, a fine dining restaurant, or a boutique hotel, each has its own pace, challenges, and pressures. We understand what’s at stake, and we're here to help protect what you’ve built.
From equipment breakdowns and staff injuries to food safety issues, liability claims, and unexpected business disruption, the risks are real and all too often. Business owners only realise their insurance isn’t adequate when they need it most.
At Sage Insurance, we specialise in tailored insurance solutions for the hospitality sector. With years of experience supporting cafés, restaurants, boutique hotels, bars, and caterers, we understand the distinct challenges you face, and the level of protection you need to keep your business resilient.
Lessons from Real Experience
One of the most common concerns we hear from venue owners is uncertainty: “Will our insurance respond when we need it most?” That’s why we take a proactive approach, not only ensuring the right cover is in place but also advocating for our clients during the claims process.
After a major fire at Croutons Fine Foods, owner David McLean saw firsthand the difference it makes to have expert support and appropriate cover in place:
“Thanks to the business interruption cover arranged by Sage Insurance, we were able to maintain cash flow, retain staff, and focus on rebuilding without the added stress of financial instability. Their expert handling ensured the claims process was smooth and efficient.”
- David McLean, Croutons Fine Foods
For Carmelo Fato at Two Little Monkeys Café, a comprehensive review of his existing policies revealed several critical gaps, including stock deterioration and machinery breakdown, risks that are often overlooked in standard cover:
“Sage Insurance identified and addressed significant shortfalls in our previous policy and provided tailored, comprehensive protection. We now have confidence that our business is adequately covered should a major loss occur.”
- Carmelo Fato, Two Little Monkeys Café
Common Gaps in Hospitality Cover
Every venue is different, but some of the most frequent gaps we identify include:
Management Liability: Many policies exclude vital protections for directors, officers, and business owners. In particular, employment practices liability, with allegations of unfair dismissal, harassment, and wrongful termination becoming more frequent. Having coverage in place can help defend your business and reputation.
Public & products liability: Inadequate limits for injury or illness claims
Business interruption: Limited or no cover for revenue loss following closures and key staff wages in the event your business is impacted by an insurable peril
Machinery breakdown: No provision for refrigeration or kitchen equipment failure
Loss of goods in cold storage: Refrigerated stock, wine holdings, and off-site dry-aged meats may not be adequately covered for spoilage or loss if cold storage fails, leading to substantial financial loss.
Cyber risks: Exposure to data breaches and payment system interruptions
We also support clients with workers’ compensation, liquor liability, property protection, and risk management strategies to reduce the likelihood of claims.
Who We Work With
We proudly support a wide range of hospitality businesses, including:
Independent cafés and coffee shops
Fine dining restaurants
Boutique hotels and B&Bs
Bars, nightclubs, and takeaway venues
Catering companies and more
A Practical Next Step
If your current insurance hasn’t been reviewed recently, or if you’ve had poor experiences in the past, it may be time for an expert assessment. Our no-obligation health check offers clear feedback on your existing coverage, identifies any shortfalls, and outlines practical options tailored to your venue’s needs.
In the hospitality industry, no two businesses are exactly alike. Whether it’s a neighbourhood café, a fine dining restaurant, or a boutique hotel, each has its own pace, challenges, and pressures. We understand what’s at stake, and we're here to help protect what you’ve built.
From equipment breakdowns and staff injuries to food safety issues, liability claims, and unexpected business disruption, the risks are real and all too often. Business owners only realise their insurance isn’t adequate when they need it most.
At Sage Insurance, we specialise in tailored insurance solutions for the hospitality sector. With years of experience supporting cafés, restaurants, boutique hotels, bars, and caterers, we understand the distinct challenges you face, and the level of protection you need to keep your business resilient.
Lessons from Real Experience
One of the most common concerns we hear from venue owners is uncertainty: “Will our insurance respond when we need it most?” That’s why we take a proactive approach, not only ensuring the right cover is in place but also advocating for our clients during the claims process.
After a major fire at Croutons Fine Foods, owner David McLean saw firsthand the difference it makes to have expert support and appropriate cover in place:
“Thanks to the business interruption cover arranged by Sage Insurance, we were able to maintain cash flow, retain staff, and focus on rebuilding without the added stress of financial instability. Their expert handling ensured the claims process was smooth and efficient.”
- David McLean, Croutons Fine Foods
For Carmelo Fato at Two Little Monkeys Café, a comprehensive review of his existing policies revealed several critical gaps, including stock deterioration and machinery breakdown, risks that are often overlooked in standard cover:
“Sage Insurance identified and addressed significant shortfalls in our previous policy and provided tailored, comprehensive protection. We now have confidence that our business is adequately covered should a major loss occur.”
- Carmelo Fato, Two Little Monkeys Café
Common Gaps in Hospitality Cover
Every venue is different, but some of the most frequent gaps we identify include:
Management Liability: Many policies exclude vital protections for directors, officers, and business owners. In particular, employment practices liability, with allegations of unfair dismissal, harassment, and wrongful termination becoming more frequent. Having coverage in place can help defend your business and reputation.
Public & products liability: Inadequate limits for injury or illness claims
Business interruption: Limited or no cover for revenue loss following closures and key staff wages in the event your business is impacted by an insurable peril
Machinery breakdown: No provision for refrigeration or kitchen equipment failure
Loss of goods in cold storage: Refrigerated stock, wine holdings, and off-site dry-aged meats may not be adequately covered for spoilage or loss if cold storage fails, leading to substantial financial loss.
Cyber risks: Exposure to data breaches and payment system interruptions
We also support clients with workers’ compensation, liquor liability, property protection, and risk management strategies to reduce the likelihood of claims.
Who We Work With
We proudly support a wide range of hospitality businesses, including:
Independent cafés and coffee shops
Fine dining restaurants
Boutique hotels and B&Bs
Bars, nightclubs, and takeaway venues
Catering companies and more
A Practical Next Step
If your current insurance hasn’t been reviewed recently, or if you’ve had poor experiences in the past, it may be time for an expert assessment. Our no-obligation health check offers clear feedback on your existing coverage, identifies any shortfalls, and outlines practical options tailored to your venue’s needs.
