Unusual Hospitality risks

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Unusual Hospitality risks

Flexible Underwriting

We offer a flexible underwriting approach with expert underwriters on hand to assist you and your client. We can provide cover for a range of hospitality businesses including guest houses, fish & chip shops, take-aways, hotels, restaurants and public houses. Recently we have underwritten some unusual hospitality risks, that required flexible underwriting to ensure the client was covered correctly:

  • Property and Liability for interactive mazes
  • Package covers including liabilities for a pub with a lake and open water swimming
  • Off Track cover for go-kart racing teams, commercial combined including premises and transit
  • Liability for running/swimming event organisers
  • Liabilities for a private fishing lake

We will always explore all possible avenues to help you place a risk. You can submit a presentation via email direct to our underwriters or alternatively, quote and bind online via our Broker Portal.

Our Hospitality policy includes as standard (increased limits are available on request):

  • Employers Liability (£10,000,000)
  • Public/Products Liability (£2,000,000)
  • Goods in Transit (£2,000)
  • Business Interruption (£500,000 24 months)
  • Money (£3,000 on premises during business hours and £1,000 in safe)
  • Refrigerated & frozen stock (£2,000)
  • Loss of licence (£100,000)

Additional covers include:

  • Buildings
  • Theft cover without forcible & violent entry/exit (unless a public house with letting rooms)
  • Accidental damage
  • 30% seasonal increase
  • Terrorism
  • All Risks items
  • Public/Products Liability up to £10,000,000

Have a risk or question?