Hotel and Leisure Combined
Providing specialist wording and flexible limits for businesses specialising in leisure and recreation. Our experienced underwriting teams work with you to customise the policy to your clients’ needs.
Why choose NIG for Hotel & Leisure Combined?
- Single policy customised to your clients’ needs.
- Instant documentation.
- Statement of Fact basis – no need for proposal form.
- Regional expertise – talk to empowered decision makers in your local trading office.
- Dedicated Claims Account Managers and efficient claims service.
- In-house Risk Control Team and risk management advice.
- A-rated insurer (A2 Moody’s).
What's covered
This is a summary of the cover available. Please refer to your policy wording for full terms and conditions.
Higher limits available upon request.
| Cover | Standard limits |
|---|---|
| Material damage | |
| Leakage of Beverages | Included |
| Guest Effects | £10,000 any one guest £100,000 any one incident |
| Seasonal Increase of Stock | 55% of the stock sum insured |
| Outside Catering | £5,000 |
| Full Theft Cover | Unless premises are closed for business or unattended |
| Business interruption | |
| Loss of Attraction | £50,000 |
| Alternative Accommodation | Up to limit in schedule |
| Tronc Cover (gratuities) | Up to the lesser of 5% of estimated gross profit / revenue or the limit stated in the schedule |
| Accidental failure of Public Supply / Telecommunications | £100,000 |
| Liability | |
| Financial Loss | £250,000 |
| Legionellosis | £100,000 |
| Libel or Slander | £100,000 |
| Corporate Manslaughter | £1,000,000 |
| Other section details | |
| Legal Expenses | £150,000 |
| Terrorism | Available |
| Computer and Cyber | Available |
Sections available
- Material Damage
- Business Interruption
- Goods in Transit
- Terrorism
- Loss of Business Money and Personal Accident (Assault)
- Employers’ Liability
- Public Liability
- Products Liability
- Glass Breakage
- Specified All Risks
- Deterioration of Stock
- Engineering Damage to Machinery and Plant
- Engineering Inspection
- Engineering Business Interruption
- Computer and Cyber
- Loss of Licence
- Fidelity Guarantee
- Legal Expenses
- Personal Accident
- Household Contents
Documents
The following policy documents apply to policies incepted on or after 2 September 2024 or renewal dates on or after 2 September 2024.
