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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

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.

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.


At H&H Insurance Brokers we are very proud of our personal service. As our client, you will be given the name of your personal account handler, who will deal with any policy queries or amendments you might have. In addition to this, we offer visits from our account executives who will go through your policy in depth to ensure you have sufficient cover at the best cost.
H&H Insurance Brokers have negotiated very competitive rates with a leading credit provider allowing you to pay monthly over a nominated period to suit you.
Premium Credit Limited will make a charge for arranging instalment facilities so you can pay by Direct Debit. The amount of the charge will depend on total premiums and chosen payment period but we will confirm this to you when arranging your insurance.
To claim you can contact our head office on 01228 406290.
We act as an intermediary between clients and insurance companies. Clients may be either individuals or commercial businesses and organisations. We use our in-depth knowledge of risks and the insurance market to find and arrange suitable insurance policies. Unlike tied agents, we are independent and offer products from more than one insurer, to ensure that you get the best deal.  Insurance policies range from motor insurance, required by law to drive a vehicle in the UK, to public, employers’ or product liability insurance, which pays compensation on the basis of the assessment of legal liability for damage, injury or harm.
More questions? Speak to a specialist 01228 406 290

Ask for a Quote

Get in touch with us to discuss your needs with one of our specialist brokers.

01228 406 290

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Why choose H&H?


  • Real experts who take time to understand your business
  • To save you time and better understand your needs, we’ll come to you
  • We will get the right cover for you at a competitive price
  • Provide both standard and niche insurance covers


Independent Business Insurance reviews from FeeFo

Discuss your insurance needs with an expert 01228 406 290

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