Hotels and Licensed Premises

The leisure and tourism industry is a major contributor to the economic life of this country. Those who succeed in that industry do so because they understand their customers’ requirements and cater for them efficiently, with a minimum of fuss. Based in the North of Cumbria, close to the Lake District where there are probably more hotels, guest houses and country pubs than almost anywhere else in the country, we at H&H Insurance Brokers believe that understanding our clients’ business is the key to a successful relationship. From experience we are aware of the insurance needs of the leisure and tourism industry and through our agencies with leading insurers we are able to provide policies customised to individual requirements.

Cover available
Excesses apply to certain Perils or sections of cover. Full details of these and any exclusions or limitations will be provided in your policy document or policy summary.

Insurance can be arranged for:

• Buildings (including Architects’ and Surveyors’ fees)
• Business Interruption (indemnity period 12/24 months)
• Contents (including separate cover for Guests’ Effects if required)
• Employer’s Liability
• Frozen Food
• Goods in Transit
• Glass
• Legal Expenses
• Money (including assault)
• Public Liability £2m any one occurrence

Buildings and Contents cover can be All Risks or Fire and Specified Perils. There may be some variations according to the nature of the risk proposed but generally, the Perils will include lightning; explosion; earthquake; aircraft; riot & civil commotion; storm & flood; escape of water; malicious damage; impact; falling trees; and theft. All Risks includes fire and all the specified perils, plus accidental damage. Subsidence cover may also be available.

Notes for Guidance

Building
The sum insured should represent the FULL COST OF REINSTATEMENT, plus debris removal and professional fees. You are recommended to take professional advice in this regard.

Contents
The sum insured should be sufficient to replace all the contents AS NEW. An inventory can be very useful in this respect but remember that an inventory produced for the purpose of buying or selling the business shows a market valuation, not the replacement cost.

Business Interruption
When considering the indemnity period you should reflect on how long it might take to return to normal trading after a major loss. If you choose a period of more than 12 months, don’t forget to increase the sum insured accordingly. Usually, the sum insured under the policy will be a fixed amount, typically £250,000/£500,000. Decide if this standard cover will be sufficient to cover your maximum possible loss.

Be alert also to the fact that trade may suffer for other reasons, such as loss of attraction or interruption at suppliers’ premises. Do you need such cover?

For a free ‘no obligation’ quotation please complete our enquiry form or alternatively email us and a member of our team will respond directly.

Our promise to you

By choosing H&H Insurance Brokers to arrange your insurance we want you to know that you will receive the following levels of service:

1. A dedicated point of contact (with an average over 12 years of experience) to manage your insurances
2. A named point of contact in the office to handle your day-to-day enquiries
3. The team handling your insurances will be experienced, friendly, helpful and knowledgeable
4. You have access to the insurance market and our relationships with major insurers and underwriters will ensure the ‘right’ insurances for you
5. We will review your insurances annually to ensure that they continue to meet your requirements
6. You will enjoy the benefit of working with a customer focused team who will listen to you, and work with you to provide bespoke solutions for your insurance needs
7. You have the security of dealing with a company authorised and regulated by the Financial Conduct Authority.