01733 328000
Running a hotel, guest house or bed and breakfast establishment can be busy at the best of times, so the last thing you probably want is to spend hours finding insurance. It makes sense to ensure your business is protected with the most appropriate insurance package so that you can concentrate on running your business in the knowledge that you have the right protection for the unexpected.
Your business is exposed to many common risks such as a fire that may break out in a kitchen. How would you cope financially if you didn’t have insurance and had to close your doors for weeks or months and find the resources to repair the damage?
Another all too frequent occurrence might be a customer getting injured on your premises, or perhaps an employee suffering a trip or fall whilst dealing with the laundry. Without the safety net of appropriate insurance, years of hard work and your future security could disappear in the blink of an eye.
Our dedicated specialists can arrange the cover you need to protect your business. Our approach involves taking the time to listen, assessing your business and then advising on potential insurance risks it might face. In sourcing the most suitable quotation for you, the following sections of cover are the more common elements that are likely to be included:
Property insurance – providing Property (Material Damage) insurance cover at your business premises for Buildings (where applicable), Stock, Business Equipment, Tenants Improvements, Business Interruption, Money and Goods in Transit.
Public Liability insurance – gives protection against claims made by members of the public who have sustained injuries or damage to their property in connection with your business activities. Cover is available from £1 million indemnity limit although higher indemnity limits are commonly recommended.
Employers Liability insurance – gives protection if an employee is injured or becomes ill as a result of the work they do for you and then try and claim against you for compensation. Cover is available for a £10 million indemnity limit but this can be extended.
Other Optional Covers - these do vary between specific trade types but may include covers such as Computer and Electronic Equipment, Glass and Shop Front, Deterioration of Refrigerated Stock, Legal Expenses, Terrorism, Personal Accident, Engineering Inspection and Loss of Licence.
insurance@marlowgardner.co.uk
