What we offer

Our Business Combined product offers extensive cover as standard across:

  • Property Damage
  • Business Interruption
  • Public & Products Liability
  • Employers’ Liability
  • Money & Personal Accident Assault
  • Financial Loss Liability
  • Legal expenses
  • Goods in transit

Bespoke sector cover

Tailored to this sector we offer cover for:

  • Chef’s knives
  • Outside catering
  • Restaurant wine stock
  • Cups, trophies and memorabilia
  • Customers and visitors personal effects
  • Loss of wedding and civil partnership licence
  • Freezer contents
  • Legionella

Our Risk appetite

In general, we’re keen to write more businesses which:

  • operate from modern non-combustible premises
  • are based in urban locations (this applies to hotels)
  • have kitchen fire suppression fitted to their cooking ranges
  • demonstrate a proactive approach to risk management and risk control
  • have clear emergency evacuation procedures.

HHL Hotel


  • Purpose built hotels and conference centres with non-combustible construction
  • Hotel management groups
HHL Hospitality


  • Restaurants
  • Coffee houses
  • Cafes
HHL Leisure


  • Purpose built cinemas/ multiplex

Giving you more

Risk Management
Risk Management

In-house team of UK based Business Resilience experts.


Dedicated claims relationship managers and tools such as eServe.

Our suite of AXA Vantage products

Our exciting proposition for mid-market commercial business with premiums between £10,000 and £250,000.


Hotels, Hospitality and Leisure


Motor Fleet

Motor Trade

Real Estate

Services Industry

Transport, Distribution and Logistics

Wholesale and Retail

Get in touch today

There is so much more that you can discover about our policies, claims management and customer service. Our teams are on hand to answer any questions you may have, so find the one most suited to your query and let us know how we can help.