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Leisure / Hospitality

The leisure and hospitality industry is a diverse and growing sector, encompassing a wide range of businesses from hotels and restaurants to amusement parks and casinos. While this industry can be very rewarding, it also faces a number of unique risks. Leisure and hospitality businesses are often exposed to large crowds, which can increase the risk of accidents and injuries. They may also be vulnerable to weather events, theft, and other unforeseen events.

Leisure and hospitality insurance is a type of insurance that helps to protect leisure and hospitality businesses from a variety of risks. It can help to cover the costs of accidents and injuries, property damage, business interruption, and other unexpected events.

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Insurance Solutions

Types of leisure and hospitality insurance available

There are many different types of leisure and hospitality insurance available, each designed to meet the specific needs of different businesses. Some of the most common types of leisure and hospitality insurance include:

Commercial Public Liability Insurance

This type of insurance protects businesses from third-party bodily injury and property damage claims. It is essential for all businesses, including leisure and hospitality businesses.

Commercial Property Insurance

This type of insurance covers damage to the insured's property, such as buildings, equipment, and inventory. It is important for leisure and hospitality businesses that own or lease property.

Business Interruption Insurance

This type of insurance helps businesses to cover the costs of lost income and expenses if they are unable to operate due to an unexpected event, such as a fire or a flood. It is especially important for leisure and hospitality businesses, which often rely on a steady stream of customers to generate revenue.

Employers Liability Insurance

This type of insurance provides financial benefits to employees who are injured or become ill on the job. It is required by law in most jurisdictions.

The need to purchase leisure and hospitality insurance is clear. Leisure and hospitality businesses face a number of unique risks, and even the most well-managed businesses can face unexpected losses. Leisure and hospitality insurance can help to protect businesses from these losses and give them peace of mind knowing that they are financially secure.

Here are some specific examples of how leisure and hospitality insurance can help:

  • A customer slips and falls in a restaurant, breaking their leg. Commercial general liability insurance can help the restaurant to cover the cost of the customer's injuries.
  • A fire damages a hotel. Commercial property insurance can help the hotel to pay for the repairs and replace any lost or damaged assets.
  • A flood forces a restaurant to close for business for several weeks. Business interruption insurance can help the restaurant to cover the cost of lost income and expenses during that time.

These are just a few examples of the many ways that leisure and hospitality insurance can help to protect leisure and hospitality businesses from a variety of risks. If you own or operate a leisure or hospitality business, it is important to talk to us to make sure that you have the right coverage in place.

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GET EXPERT ADVICE

The leisure and hospitality industry presents complex exposures and liabilities, which demand a high level of specialist knowledge and expertise. JV Hutton have been present in the construction insurance market since its foundation in 1995.
Get in touch today!

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