More than just insurance
Hotel, Restaurant & Leisure Insurance
If you own a hotel, restaurant or similar hospitality business, we can help you find the right insurance for your needs at a competitive premium. We can arrange cover for hotels, guest houses, restaurants, cafes and coffee shops and a variety of similar businesses.
We have access to policies providing a comprehensive range of covers covering the assets and liabilities that maintain your business operation. Contact Butterworth Spengler today for all your Leisure Insurance needs.
What cover does a leisure business such as a hotel or restaurant need?
The specific cover you need will depend on the exact nature of your business. However, the following are things we’d typically expect to see included on a leisure policy for a hotel, restaurant or hospitality business:
- Material Damage cover for any buildings, furniture and fittings, business equipment and stock you may have.
- Business Interruption, to protect against loss of business following a claim under your Material Damage cover.
- Public and Employers’ Liability to protect the public and your employees in the event of an injury or financial loss.
- Product Liability to cover liabilities arising specifically from the use of your own products by a third party.
- Loss of Licence cover if you should lose a licence to trade through circumstances outside of your control.
- Money cover if you handle or keep large amounts of cash on the premises.
- Glass cover can specifically cover any ornate or branded glass shopfronts to ensure that they are fully replaced to the same standard.
We will work with you to fully understand your business. From there we will recommend the covers we think you’ll need and the best insurers to arrange your cover with.
Helping you manage your Health & Safety obligations
A successful hospitality business will have a lot of visitors throughout the year. For that and many other reasons, it’s a sector where Health & Safety processes need to be managed very carefully.
Not only can we arrange insurance for when the unexpected happens, but we can help you reduce the risk of accidents happening in the first place. Through our group company, Risk Support Services we can help you take practical steps to manage Health & Safety more effectively.
We do this by providing risk management advice and training, delivered by experienced industry specialists. They deliver clear, pragmatic advice that you can put into practice so that your staff are clear on the procedures they need to follow. This service complements your insurance arrangements and could help avoid premium increases in the long run.
How we can help with your Leisure or Hospitality Insurance
We’ve helped many businesses with their insurance requirements since 1924, including many hospitality and leisure businesses. Now, as part of the JMG Group, we’re a top-30 UK insurance broker. Our strong relationships with insurers – including leisure and hospitality specialists – help us to find you the right cover at competitive premiums.
In the event of a claim, we would work closely with you and the insurers to help settle your claim. Our aim is to help you settle your claim promptly because we recognise the importance of getting back to normal quickly for a hospitality business.
Contact us to discuss your Leisure or Hospitality Insurance
If you’d like to arrange a quote, or simply to discuss your insurance for a hotel, restaurant or any other hospitality business, contact our Liverpool or Gloucester office and we’ll be happy to discuss your requirements with you.