Hotels and guest houses have a unique set of requirements - Our cover is the perfect solution for hotels and guest houses in the islands and our products cover a maximum of four premises.
A safer, stronger business
We offer a wide range of risk control guides to help safeguard your customers’ businesses and interests. From health and safety to weather damage, you can help your customers put in place a comprehensive risk mitigation programme by supplying them with a wide range of content created by our risk experts.
Standard cover contents
Contents, stock, public and products liability, and employers’ liability
Hotel cover is available for guests’ personal effects (£2,500 per guest)
50% seasonal stock increase during November, December and 30 days prior to Easter
All risks goods in transit cover of £2,500 (option to extend to £10,000)
£1,000 cover for damage to frozen and chilled food (option to extend to £10,000 per unit)
Public and products liability £2m limit of indemnity (option to reduce or increase)
Money package defaults to £3,500
Loss of liquor licence (£100,000 as standard with potential to increase as required)
Business interruption up to £3m gross revenue
Why choose us?
Our policies are tailored to meet the specific needs of the sector within the islands and provides:
A competitive package of covers, with generous and flexible limits
Cover for leakage of alcoholic or soft drinks from storage containers or connected apparatus
Business interruption cover for notifiable diseases, food or drink poisoning, defective sanitation, murder, suicide, vermin and pests (£100,000 limit as standard)
Automatic extension to cover up to £5,000 of outside furniture