Hotel & Guest House
Whether you have an established business or whether you are just starting up a guest house or bed and breakfast establishment for the first time, Platform Financial Services can advise you on insurance policies based on your individual needs and circumstances. We will advise on insurance policies specific to your needs and also work with you to help you identify, evaluate and manage your risk exposure.
Typically under a policy of this nature we would usually advise cover on an ‘Accidental Damage’ basis but some insurers still only offer ‘Standard Cover’ with ‘Accidental Damage’ cover being an optional extra. When we gather information it would be helpful to know which basis of claims settlement you would prefer or just ask a member of the team who will be happy to explain the differences further.
Cover typically included from our panel of Insurers include:
- Contents including seasonal increase on stock
- Business Interruption
- Damage to Glass
- Loss of Money in transit or in a locked safe overnight
- Refrigerated Contents
- Public and Products Liability
- Employers’ Liability – £10,000,000 limit of indemnity
- Goods in transit
- 24 hour Legal Helpline
- Index Linking
- Guests Personal Effects
With potential Optional extensions for:
- Accidental Damage on Contents & Buildings
- Subsidence
- Insured’s Personal Contents and Money
- All Risks on Portable Property
- Loss of License
- Legal Expenses
- Theft by Employees
- Electrical or mechanical Breakdown of Equipment
- Computer Breakdown
- Terrorism
- Guests Personal Effects
- Property in the Open
To discuss your requirements further, please speak with one of the team on 01772 702000