Hospitality & Leisure Insurance

A leisure policy can cover a variation of risks, the main covers are:

• Employers’ liability
• Public liability
• Buildings and contents
• Business interruption
• Product liability

Trespassers on your land can still claim if they are subject to accident or injury. Not every ‘trespasser’ has malicious intent. Remember that the word trespasser could include kids playing football on your field or a woman walking her dog.

An example would be if someone were to walk their dog on your land and fall over due to negligent work carried out in your grounds. They then have a right to claim against you.

When it comes to public liability, your limit will vary depending on your business type, business activities and so on. Most insurers give different limits of cover:

£1,000,000

£2,000,000

£5,000,000

£10,000,000

Smaller businesses may only be looking up to 5 million. You need to remember that if a third party were to claim, they can claim for a number of things such as compensation for the injury, loss of earnings, medical costs and potential on-going care. This can end up amounting to a sizeable claim. Therefore, the business may need to rethink their level of cover. On the other hand, for a business which is high risk, it will be best to go for the higher level of cover.

In normal times this would be very easily dealt with. The insured would have to let their broker or insurer know if the business will be closed for longer than 30 days. This would result in reduced cover for that period and sometimes an extra premium, but the policy is still valid.

In the current times insurers are making the effort to support their policy holders and increase their definition of “unoccupied” or “empty” from 30 consecutive days to 60 and over. This means you won’t have to pay the extra fees of having to go over that initial 30 day period.