Leisure and Hospitality Insurance

When dealing with high volumes of the general public, we appreciate that there can be unique insurance challenges for the leisure and hospitality sectors. High footfall brings potential exposures so it is important to choose a broker who can not only deliver a bespoke insure programme but one that can deliver on strong claims management, helping you put policies and procedures in place that mitigate risk.

Insurance policies are usually composite, consisting of several core covers and a variety of industry-specific and optional covers. Insurers will typically include the following covers in their core policies:

• Buildings
• Contents
• Employee protection
• Business interruption
• Business liability
• Legal expenses

As an example of the range of cover that we can add in to your bespoke programme, the below outlines optional covers that are applicable to the hotel industry:

• Cost of obtaining alternative accommodation for guests
• Guests’ and customers’ personal effects and valuables
• Full theft
• Loss of attraction
• Environmental liability
• Notifiable disease cover
• Subsidence
• Computer breakdown
• Equipment breakdown
• Employee theft
• Contractors’ all risks
• Terrorism

21st Century Covers

Traditional insurance covers have progressed over time to more modern day matters and Kennetts can provide cover for:

• Employee Protection and Fidelity Cover, to include:
  • Road Rage
  • Air Rage
  • Aggravated Burglary
  • Stalking
  • Commercial Employee Fidelity
• Ransom Demands
• Claims Preparation Costs
• Company Function and Conference Cover
• Lottery Cover
• Cyber crime

A bespoke policy is best to make sure your specific risks are acknowledged and minimised. We can tailor a policy that fits your individual needs.

Sectors and Appetite

• Hotels and Accommodation
• Pubs, Bars, Nightclubs, Cafés and Restaurants
• Entertainment Venues
• Visitor Attractions
• Gambling
• Health, Fitness and Sports Clubs
• Trade associations
• Governing bodies

If you’d like to arrange a quotation or for more information, please call 01482 579500 or email cover@kennetts.co.uk