Hospitality, Leisure & Accommodation
These premises are open to the public and often occupied around the clock, which tends to raise the stakes on fire, liability and lost trading. Commercial kitchens, swimming pools, guests sleeping on site and seasonal income all feature in how an insurer looks at them.
Business interruption deserves particular attention in this group. A hotel or holiday park that closes after a fire may lose bookings for a whole season, and the indemnity period chosen at the outset can decide whether the cover lasts as long as the recovery does.
Choose your property type
Restaurants & Cafés
Insurance for restaurant and café premises: cooking and extraction fire risk, duct cleaning conditions, flats above and cover for owners and owner occupiers.
Read morePubs & Licensed Premises
Insurance for pubs and licensed premises: late hours, assault claims, cellar and gas risks, letting rooms, older and listed buildings and loss of licence.
Read moreHotels & Guest Houses
Insurance for hotels and guest houses: sleeping risk and escape routes, guests' property, legionella, kitchens and function rooms, and seasonal trade.
Read moreServiced Apartments & Corporate Accommodation
Insurance for serviced apartments and corporate accommodation: operator and landlord cover, guest liability, short let restrictions in leases and mortgages, fire safety and loss of income.
Read moreStudent Accommodation
Insurance for student accommodation and PBSA: seasonal occupancy, communal kitchens, high turnover, malicious damage and long summer voids.
Read moreHoliday Parks & Caravan Parks
Insurance for holiday parks and caravan parks: lodges and hire fleet caravans, site infrastructure, pools and play areas, flood exposure, closed season and pitch fee income.
Read moreLeisure Centres & Sports Facilities
Insurance for leisure centre and sports facility owners and operators: pool plant and chemicals, fitness equipment, slips in wet areas, membership income and local authority contracts.
Read moreNot sure which page fits?
Plenty of businesses do more than one thing. Tell us what you actually do and we will work out the cover around it. Call 01304 262880, or email us with a phone number and the best time to call and a broker will ring you back.