When you’re running a busy hotel, researching the types of insurance can be time consuming and confusing.
Let us do the hard work for you. In exchange for a little of your time so that we can understand the business and the risks it faces, we can recommend the insurance you must have, should have and could have.
But if you need more information before that, the table below tells you more about the insurance that a business in the hotel sector should be considering.
We can help hotel owners in Bromsgrove, Evesham, Droitwich Spa, Redditch, Worcester, Warwickshire, West Midlands and further afield.
To insure the buildings against damage such as fire, storm, flood or escape of water.
Damage to equipment at and/or away from the premises. Can include breakdown and consequential losses
Cyber insurance can cover damage to equipment for example by, computer hacking.
To insure the business contents and stock against damage such as fire, theft or escape of water.
The use of hot water boilers, lifts and air conditioning equipment entails regular inspection. This is compulsory. It can also cover breakdown of equipment, fragmentation and damage caused to surrounding equipment.
To cover loss of stock as a result of failure of the freezer unit.
To cover damage to fixed glass and sanitary fittings.
To cover damage or theft of stock in your own vehicles, usually just within the UK.
To cover theft of money from the premises, in transit or the home of an authorised person.
This covers damage to your vehicles and your liability to third parties. Third party liability insurance is compulsory.
Time is money so it’s vital to have insurance that will cover lost income and the costs of keeping the business running following insured damage at the premises.
Cyber insurance can cover loss of income following a data breach, denial of access or cyber attack.
Handling cash or valuable stock can result in theft by employees. This insurance will cover such events.
To provide legal advice and costs of pursuing or defending certain actions such as employment, contractual or property disputes.
To cover loss of income following the refusal to renew, or withdrawal of a licence.
To protect the personal assets of a director, partner or senior employee following an allegation that they committed a wrongful act during the course of employment e.g. Health & Safety at Work, employment dispute or financial matters.
To cover legal defence costs and awards made against you arising from your liability at law for injury to your employees. This is compulsory.
Usually added to Management Liability insurance, this protects the business in the event of an alleged wrongful employment act.
To cover legal defence costs and awards made against you arising from liability at law for injury to others or damage to their property arising out of your business activities.
To cover legal defence costs and awards made against you arising from liability at law for injury to others or damage to their property arising out of products or services supplied by you.
To cover claims from third parties for damage to their systems, loss of money, business interruption, breach of copyright, penalties from regulator.
To provide a lump sum payment and/or regular weekly payments following permanent or temporary disablement as a result of an accident e.g. loss of an eye or a broken leg.
Ms CP, Sonographer, Eastbourne
Ms DM, Radiographer, Clacton on Sea
Victoria Fothergill, Sonographer, Nottingham
CH, Sonographer, Basingstoke
Julia Warne, Sonographer, Cheltenham
MB, Sonographer, Ilford
