Hospitality & Leisure
The UK’s hospitality and leisure sector includes hotels, pubs, restaurants, and theme parks. Comprehensive insurance covers property, business interruption, liability, cyber risks, and fleet. Each business requires tailored policies to address specific risks, with terms depending on the sub-sector and location.
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Comprehensive Cover for Hospitality & Leisure Businesses
The UK’s hospitality and leisure sector is vast and covers a huge range of activities, from a small guest house to a large hotel chain, pubs/clubs and restraurants, sporting venues, museums, theme parks, night clubs, childrens’ and adult activity centres, spas, resorts, theatres and concert halls and everything in between.
Each sub-sector has specific needs but in general the common theme is the presence of the general public, in numbers, on site at any one time, undertaking activities and the hospitality required.
Typically a programme would involve
Property
Buildings and Contents, Stock, occasional guests effects
Business Interruption
Loss of Revenuue and Profits and dependence upon a geographical area or ability to access sites
Money
Cash is still often used in the hospitality and leisure sectors
Employers Liability
Injury to your team – usually manual workers, and often can lead to slips & trips and injuries relating to activities.
Public & Products Liabilities
Reflects the number of visitors on site, the activities undertaken plus any food/drink risks involved in hospitality.
Management Liability
Just like with any other business, the directors/shareholders are exposed to commercial management risks.
Cyber
The sectors’ reliance on social media and client e-databases means firms in this sector are at huge risk from not only loss of GDPR controlled data but from criminal hacking and extortion/ransomware events, where data can be withheld without with the firm cannot trade.
Fleet
Many firms rely on vehicles whether it be transport for employees or coaches/mini-buses for clientele. Hotels for example will need ‘car jockey’ coverage to allow their staff to move/park customers’ vehicles.
Each business is unique and as such Rowlands & Hames treats all such clients and enquiries on an individual and bespoke basis.
Different insurers have variable appetite depending on the sub-sector and location but Rowlands & Hames has wide access to a large number of direct insurers and schemes.
Defence costs against allegations of wrongdoing against individual directors’ & officers’ (and other senior staff) known as ‘D&O’, against the legal entity itself known as Corporate Liability; and defence costs and compensation payments in relation to employment disputes known as Employment Practices Liability.
Protection against losses following cyber-attacks (ransomware, hacking attacks, reinstatement of systems and data), defence costs & fines (in some circumstances) in relation to GDPR & Privacy issues; loss of gross profit, PR costs and the like.
Crime, Fraud & Fidelity.
Contact the Team
Mike Watkinson Dip CII
- Business Development Director
- 01253 598973
- mike@rowlands-hames.co.uk
Testimonials
Many thanks to Rowlands & Hames, especially Gary Baxter who has helped and guided us through our insurances this last year, and problems [claims] when necessary. Your help and support are very much appreciated.
I would have no hesitation in recommending Rowlands & Hames and Gary to individuals or corporate structures requiring insurance services. It is great peace of mind to know that a competent individual and broker is supporting both myself and my companies.
“Tony Swallow was excellent, a credit to Rowlands & Hames."
Further to all our communications and dealings over the last few months, we would like to thank you for your tenacity and achieving this result in respect to settling the above claim for £800.00. Please accept our thanks for keeping at the insurers and ensuring this favourable outcome.
Rowlands & Hames have always provided good advice, and have consistently ensured that my clients and I have appropriate and cost-effective insurance cover in place at all times, regardless of the complexities of the circumstances. Their claims-handling support is second to none in my experience.
Thank you so much for all of this and to Mike and Paul for making life so straightforward with renewal yet again. Our director has total confidence in the service you provide and is grateful for our longstanding partnership.
That’s great news Thanks for your persistence with this matter I am sure it made all the difference. It is nice to see someone go the extra mile for their customers even though it wasn’t really your problem. Once again thanks for the brilliant job and advice.
Regarding our latest newsletter: “What another classic example of Quality Customer Care – Sending out information like this is vital to ALL businesses and not just your Customers – so just to say you guys never cease to impress me.
The insurers were slow to make the payment once the claim settlement had been agreed. Our claims manager Colin chased this on our behalf. The service from Colin was wonderful, he communicated clearly and often and I really felt he was looking after our clam. Colin made the whole process quick and easy and took the stress out of it for us to thank you!
I would like to take this opportunity to commend one of your staff: Mike Watkinson.
This is customer service at its finest and Mike is surely a valuable and valued member of your staff.
Moving forward the team took the reigns in organizing the incident in a precise and methodical way. There were no delays, everyone was on site no later than Monday and everything generally ran smoothly throughout the refurbishment.
We received excellent service, speed and communication from Rowlands & Hames. The team that worked on my property were very knowledgeable, highly experienced, reliable and professional. They kept me up to speed as the job went a long. They were tidy and polite.
Paul has dealt with our business from day one and I have found him to be very knowledgeable and approachable.
We have been dealing with Trevor Taylor for many years and have always found him to be most helpful and professional in every way. His assistance in all aspects of out insurance has proved to be invaluable. I can recommend his service to anyone.
…service from Rowlands & Hames has been exceptional over the years.
I have to add that I have always been impressed by Tony’s help in the past for our commercial business insurance and I am equally so pleased in the way this insurance has been effected.
Just to let you know I have received payment from the insurance company.
May I take this opportunity to thank you and your colleagues for your help with this claim. You made it easier for me and kept me updated along the way.
Keep up the great work guys.
Great customer service from Gary Baxter and his team.
I have dealt with a number of other brokers in respect of our block policy prior to our agreement with R&H and am able to state confidently as the policyholder, I am more than satisfied and recommend without hesitation, the service given by your team being of an exceptionally high standard. Keep up the good work.
Thank you June – your response was very quick as usual, really good service
…the [travel] insurance has been fantastic and sorted everything out very promptly for him – his son is still out there with him and [the travel insurer] have covered all of that so thanks very much to them and you and Mike etc for all your help.
I would also like to inform you that I am leaving next Thursday. I would like to thank you for all your help and hard work that you have supported me with. Your service was incredible and I would recommend you with the highest regards to anyone. Thank you.
Thank you so much Colin to you and Tony for all your all efforts on our behalf. We cannot thank you enough.
I wanted to thank you very sincerely for obtaining the insurance claim monies for me. The system was very trouble free for me. It is a great help, and also gives me much confidence in case there are future problems. Meanwhile, very many thanks for your work regarding this issue.
I found the staff to be very efficient and professional and would recommend your company to anyone. Good job
Following a dispute with an insurer over temporary unoccupancy… “It’s today’s actions that will determine which and how companies come out of this. You have been brilliant and show the true value of having a broker. Catch up soon. Thanks
My associations with Rowlands & Hames goes back 20 years or so. I have always found them exemplary in any advice, claims etc. We recently had what we considered to be a potentially difficult public liability claim with a major client of ours but this was soon successfully concluded by John Isles and his very efficient team. I am extremely pleased with our involvement with this company.
I’ve always had great service from Rowlands Hames so would be happy to ask you for help with other insurances as they come up for renewal.
Many thanks for your assistance, you’ve been first class as always this is why we use professionals like yourselves.
great CSR to help us get our insurances ready for our first 6 employees starting next week
Many thanks to you for your support throughout the claim process. The true value of having a Broker is realised when a claim occurs.
I am grateful and very impressed with the care and understanding R&H’s claims team have shown throughout a stressful and difficult time for me. I got my Fiat Panda back today, all sparkly and repaired; without your excellent handling of my claim, the last few months would have been so much worse as I have recovered from my injury. I have been a customer of yours since Andrew Dalby days and your company has never let me down.