Insurers have recently identified a growing leisure and hospitality sector, and have produced policy wordings tailored to the needs of these businesses. Sectors in this area include leisure and health clubs, sports clubs, hotels, caravan parks, pubs and restaurants. Package policies are now available with the following covers:-

  • Material damage all risks cover for the assets of the business including buildings, contents, computers and stock. This section is usually extended to include loss of metered water and oil, trace and access, damage to underground services, debris removal, stock/contents at exhibitions, customers and guests affected and outside catering contracts.
  • Business interruption – cover against lost gross profit and increased costs following an insured loss. May also include losses following failure of public utilities and denial of access.
  • Goods in transit property while in transit in your own vehicle or with a third party carrier.
  • Money cover for loss of (or damage to) money while in transit, in a bank night safe, on the premises (during and out of hours), in a safe or strong-room or at the private residence of the proprietor, Director or authorised person.
  • Personal accident (assault) benefits payable to person(s) injured during robbery or attempted robbery.
  • Employer’s liability statutory protection against injury to employees in the course of their duties.
  • Public liability protects policyholder liability to third parties while on the business premises or while the policyholder works at third party premises.
  • Products liability third party protection against damage/injury caused by goods supplied by the policyholder.
  • Glass breakage where policyholder is liable for damage to glass, sanitary ware and signage as occupant of a property.
  • All risks coverage for contents removed from business address with pre-determined geographical limits for items such as laptop computers, exhibition equipment, catering equipment.
  • Refrigerated foods deterioration of chilled or frozen foods due to rise or fall of temperature in a cold chamber.
  • Engineering damage – to plant and machinery due to sudden and unforeseen damage.
  • Engineering inspection statutory or non-statutory inspection of specified items of plant and machinery by qualified engineers.
  • Engineering business interruption loss of gross profit, revenue and increased costs of working resulting from sudden and unforeseen damage to plant and machinery.
  • Computer insurance comprehensive protection for computers and ancillaries, wider cover than material damage section, to include hardware, reinstatement of data and increased cost of working and virus, hacking and denial of access attack.
  • Loss of licence important cover for licensed premises, protection against loss of income arising from loss of liquor licence.
  • Fidelity guarantee theft of money or other property by employees.
  • Legal expenses limit available for legal expenses incurred in relation to employment disputes, legal defence, property protection, tax disputes, contract disputes, debt recovery and tenant disputes.
This is only a summary of the range of covers available within a commercial leisure/hospitality package. As with all insurance policies, cover varies between insurance companies and is subject to terms and conditions. Always read your policy carefully.
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