Hotels, Hospitality & Leisure

Our risk appetite

We're keen to write more:

  • 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

Hotels:

  • Purpose built hotels and conference centres with non-combustible construction, hotel management groups

Hospitality:

  • Restaurants, coffee houses, cafes

Leisure:

  • Purpose built cinemas/multiplex

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
  • Loss of wedding and civil partnership licence
  • Freezer contents
  • Legionella



Helping clients reduce risk

Our in-house team of 50 UK based Business Resilience experts are experienced in all aspects of hotels, hospitality and leisure risk management.



Health and safety: Preventing injuries from knives, musculoskeletal disorders from manual handling and dermatitis from contact with cleaning products, are all areas where our Risk Management team can provide valuable, practical advice.




Business continuity planning: Interruption to business impacts this sector greater than most given the ‘just-in-time’ delivery of service to the public. Our Risk Control engineers are Business Continuity Institute qualified.




Ansul kitchen fire suppression: We have a unique agreement with Ansul, the largest provider of fire suppression systems, which means clients can benefit from a 15% discount..




Food hygiene: We have in house Business Resilience Managers qualified in food hygiene risk management who can assist with assessment and requirements.




Claims

We aim to be indisputably and consistently the best claims team in the UK. We offer:

  • Dedicated Claims Relationship Managers and tailored claims review meetings
  • An online claims tracking tool (eServe) and the transfer of cash payment to customer accounts in minutes
  • We’ll repudiate any liability claims against your company unless proof of incident is valid

Giving you more



AXA Business Interruption calculator: Our web-based tool creates a quick and accurate report of a business’ exposure to Business Interruption based on the insured’s own financial accounts.




rradar: We’ve also teamed up with rradar, a law firm that offers free expert legal, regulatory and risk management advice. They help clients proactively understand and manage their risks before they become a problem and navigate them over any legal hurdles, should any arise.