Hotels and Leisure Insurance
(Small Hotels, Large Mansion Hotels, Restaurants and more)
This is a guide to the insurance available under The Combined Hotel and Leisure Insurance.
The scheme applies to the following businesses :
The descriptions below are brief and are not intended to convey the full terms and conditions.
- Restaurants
- Hotels ranging from small B&B up to large Mansion House Hotels
Section 1 (Buildings)
Including Day 1 uplift & subsidence
Section 2 (Contents)
These Sections offer "All Risks" Insurance for physical loss or damage and extend and
extend to include employees property, underground services and contents temporarily
removed. The Assured bears the first £250 or as agreed, of each and every loss except
in respect of Fire, Explosion, Lightning and Earthquake.
Section 3 (Rent)
Offers the same cover and terms as Section 1 and 2 above, either for
(a) Rent payable, or
(b) Rent receivable
Section 4 (Loss of Revenue)
Offers "All Risks" following material damage as under Section 1 and 2 and has extensions
including loss due to or caused by vermin, contagious and/or infectious illness, food or
drink poisoning, pollution, failure of public supplies and denial of access.
Section 5 (Book Debts)
Provides payment for losses in respect of records of account receivable kept at the
premises being lost, destroyed or damaged "All Risks"
Section 6 (Loss of Licence)
Provides indemnity, in the event of loss of license to sell excisable liquors by
retail at the insured premises, based on reduction in Turnover.
Section 7 (Personal Accident & Assault)
(a) Personal Accident - Allows individuals to be named and benefits selected accordingly.
(b) Assault - Provides a Capital Sum of £10,000 and commensurate scale of benefits for Criminal
Unprovoked Assault to the Assured or their staff in the course of their duties.
Section 8 (Cash)
Covers all likely eventualities of loss of business cash, including dishonesty by staff.
Credit Card Vouchers and the like are included.
Section 9 (Goods in Transit)
Provides "All Risks" cover for goods whilst being transported in any vehicle of the Assured
in connection with the business.
Section 10 (Deterioration of Stock)
Provides replacement of stock lost as a result of breakdown of freezers, refrigerators and cold rooms.
Section 11 (Personal Property)
Provides individuals with All Risks insurance in respect of jewellery, furs, gold, silver,
personal effects and similar property as itemised in a schedule by the individuals anywhere
in the United Kingdom and Europe, or on a World Wide basis.
Section 12 (Employers' Liability)
Provides full insurance as required by the 1969 Employers' Liability Compulsory Insurance Act.
Section 13 (Public Liability)
Provides Legal Liability indemnity to Third Parties up to a limit selected in respect of death, injury food or drink poisoning or loss or damage to property.
Section 14 (Personal Liability)
Provides an indemnity to an individual and his family residing within his household for
personal liability and not the business liability.
Section 15 (Engineering)
Provides insurance of and an inspection service for all types of plant and machinery,
including boilers, lifts, electrical plant and computers.
Section 16 (Legal Expenses)
Provides 24 hours a day, 365 days a year, legal advice and support for the pursuit
and defence of landlords and tenants disputes relating to the possession of freehold
or leasehold property, owned, occupied by the proposer. This cover is obligatory within
the scope of the insurance. Extensions of the cover under this section are available.