Pub, Restaurant and Hotel

Quality cover for smaller pub, wine bar, hotel, guest house and restaurant businesses. Featuring a range of benefits, from contents insurance to legal cover, with flexibility to meet business needs.

Up to 10 locations

Overall combined Property/BI £5m limit per location. Max £750k contents per location

Average free product

Reducing your clients' risk of underinsurance

Business Support

Helplines for Legal & Tax, Risk Management and Counselling Service

Product details

Why Aviva Pub, Restaurant and Hotel?

Our Pub, Restaurant and Hotel cover features a range of benefits to support your client and their business.

  • Simple and quick online question sets, supported by Live Chat for any queries
  • Average free Property Damage cover (subject to maximum sum insured payable)
  • Uplift of 20%, or to a minimum of £25,000, for the combined contents, guest effects, stock and tenants improvements sum insured - extra cover at no extra cost, and giving more flexibility at the time of a claim
  • Automatic uplift of 20% to Buildings Sum Insured (where selected)
  • 30% seasonal increase of stock for November, December and January or any other selected 3 month period
  • Property in Transit cover of £5k with option to increase
  • Money and Assault cover
  • Loss of Income cover limit of £1m with a standard 36 month indemnity period, plus up to £50k for Additional Increased Cost of Working, and for events such as damage at a supplier premises, or to property in transit, which disrupts the business
  • Public and Products Liability cover £5m standard with option to increase to £10m
  • Automatic £500k legal protection including cover for debt recovery, and employment and contract disputes

There's also the option to cover Guest Effects*, Household Goods*, Buildings, Tenants Improvements, Deterioration of Stock, Loss of Licence, Terrorism, Employee Dishonesty and Personal Accident.

* Applicable to Pub, Wine Bars, Hotels and Guest Houses only


We recognise the impact a claim can have on your client's business, and aim to get things back to normal as quickly as possible.

You can find out more about our claims process by visiting Our Claims Service page.

Quote and buy

You can quote and buy this product through Fast Trade.
Alternatively, for those clients who do not meet Fast Trade eligibility or have more complex needs, please contact your local trading office.

Visit Fast Trade

Alternative products

Commercial Combined

Up to 10 premises and a range of sums insured based on sector. Available through Fast Trade.

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Our Commercial Combined product for larger hospitality businesses requiring higher limits or more complex cover.

Contact your local trading office for more details.

Cross-sell opportunities


Flexible motor policy for businesses that have between 1 and 12 business vehicles.

Commercial Crime

Extensive protection against theft or fraud by employees, and if selected, by third parties.

Contact your local trading office for more details.

Group Personal Accident, Sickness & Business Travel

Helps your clients protect their business against the effects of staff absences and serious accidental injuries.

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