As a specialist broker, we have many years’ experience in supporting those businesses in the leisure and hospitality sector, and we understand your unique risks and challenges. We appreciate that running a successful business takes a lot of hard work, and your risks become more complex as your business develops.
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When dealing with high volumes of the general public, we appreciate that there can be unique insurance challenges for the leisure and hospitality sectors. High footfall brings potential exposures so it is important to choose a broker who can not only deliver a bespoke insure programme but one that can deliver on strong claims management, helping you put policies and procedures in place that mitigate risk.
Insurance policies are usually composite, consisting of several core covers and a variety of industry-specific and optional covers. Insurers will typically include the following covers in their core policies:
- Buildings
- Contents
- Employee protection
- Business interruption
- Business liability
- Legal expenses
As an example of the range of cover that we can add in to your bespoke programme, the below outlines optional covers that are applicable to the hotel industry:
- Cost of obtaining alternative accommodation for guests
- Guests’ and customers’ personal effects and valuables
- Full theft
- Loss of attraction
- Environmental liability
- Notifiable disease cover
- Subsidence
- Computer breakdown
- Equipment breakdown
- Employee theft
- Contractors’ all risks
- Terrorism
