Happy hour?

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While restaurants and pubs remain as popular as ever, increases in the frequency and types of claims are biting hard into the hospitality sector. Dave Lamb looks at the changing insurance needs of a burgeoning market

With around 60,000 public houses and bars, the pub retains pole position at the heart of British society.

The proliferation of themed pubs continues unabated, with the likes of Irish and Australian-styled pubs increasing revenues by 15% between 1998 and 2002 and 'family friendly' pubs and restaurants also growing in popularity.

With new venues opening regularly in most city centres, the restaurant sector has also enjoyed a period of unprecedented growth over recent years - more than one in five

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