Hospitality

Fire, Water, and Storm Damage
Incidents like kitchen fires, burst pipes, or severe weather events can cause significant property damage, disrupt operations, and result in costly repairs or temporary closures.

Machinery Breakdown and Food Spoilage
Breakdowns in essential kitchen equipment like fridges, ovens, or freezers can halt operations and cause spoilage of perishable stock, directly impacting revenue.

Manual Handling and Kitchen Injuries
Hospitality staff often engage in lifting, carrying, or repetitive tasks, increasing the risk of back injuries, strains, and hand lacerations from sharp equipment or broken glass.

Slips, Trips, and Falls
Fast-paced, high-traffic environments can make slips and trips more common, potentially resulting in injuries to staff, customers, or visitors, and increasing the risk of liability claims.

Theft (Internal and External)
Cash, liquor, stock, and business equipment are frequent targets for theft. There can also be concern around employee dishonesty, including fraud or misappropriation of funds.

Supply Chain Disruption
Delays or cancellations from key suppliers, especially for food and beverage, can impact service, menu availability, and event delivery, often at short notice.

Workers Compensation Claims
Workplace injuries or illnesses can lead to employee downtime, regulatory obligations, and compensation costs, particularly in physically demanding or high-risk roles.

Cyber Attacks and Data Breaches
With digital bookings, payment systems, and customer data, hospitality venues are increasingly vulnerable to cyber threats that can compromise sensitive information and damage reputation.