Getting the right insurance cover is vital for a hotel or guesthouse. Without the right protection, you are leaving your business at risk from a variety of potential hazards.
At Henry Seymour & Co, we will assess your requirements in detail and search the market for a selection of policies that meet your needs.
Whether you are a small guesthouse, city centre hotel, country hotel & spa or chain of hotels, we will find a suitable policy for you.
If you are unsure what covers you need, just contact us and our friendly advisers can explain the options available.
Typical Policy Cover
Contents
Cover to protect your hotel or guesthouse contents, fixtures, fittings, glass and equipment from a range of perils including fire, flood, storm and theft. Cover often includes loss of frozen food. Cover can also include household contents where you or your staff live on the premises.
Stock
Cover to protect the stock of your hotel or guesthouse from a range of perils including fire, flood, storm and theft.
Money & PA Assault
Cover to protect your hotel or guesthouse business money on the premises in and out of business hours, in safes or at the homes of directors or employees. Cover will also include money in any gaming machines. Benefits are also available in the event that a member of staff is assaulted as a result of theft or attempted theft of money.
Loss of Income
Covers the loss of profits/revenue from your business following loss or damage at your premises.
Public Liability
Covers compensation claims made by the general public, clients and customers for injury or property damage arising out of the negligence of your hotel or guesthouse business.
Products Liability
Covers compensation claims made by the general public, clients and customers caused by any products supplied by your hotel or guesthouse. This cover will protect you against any defective food or drink that is served in your establishment including any claims for food poisoning or any outside catering.
Employers’ Liability
This is a compulsory cover within the UK if you employ staff and covers your legal liability for injury happening to your Employees whilst at work.
Legal Expenses
Cover for your legal costs and expenses in pursuing or defending an employment or property dispute. Compensation available for tax investigations and jury service. Access to legal helplines is also often provided
Optional Extensions
Buildings
Cover to protect your hotel or guesthouse property from a range of perils including fire, flood and storm. All policies can be extended to include cover for accidental damage and subsidence, heave and landslip.
Terrorism
The insurance industry now excludes Terrorism cover from all insurance policies and this valuable cover can be added at an additional cost.
All Risks
Cover is available to protect hotel or guesthouse equipment whilst away from premises. Typical items covered will include laptop computers and mobile phones.
Equipment Breakdown
Cover for the breakdown and failure of any computers, machinery or office equipment including any resultant interruption to your business. Cover is also available for the statutory inspection of any lifts or engineering plant.
Loss of Licence
Protection for your business following loss of licence due to forfeiture or refusal to renew. Cover includes legal costs in appealing against the loss of licence.
Request a quote NOW or contact us for further information
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