Who needs leisure industry Insurance?
Anyone who owns or runs a business operating in the leisure industry can benefit from a leisure industry insurance policy. It will include a range of covers suitable for your pub, bar, restaurant or small hotel.
A range of liability insurance covers can be included, protecting you from costs of legal defence in the event that a claim is made by either a member of staff or the public, alleging that they have been injured or otherwise suffered a loss as a consequence of your business activity.
What else might I need to consider when buying leisure industry Insurance?
The range and levels of cover that you need will depend on what sort of leisure business you operate. You could operate a pub or restaurant where liabilities around food are likely to be a priority. Where you offer accommodation there will be a separate range of issues. The specifics may include food poisoning risks, cover in the event that equipment fails, or where you lose your license. All of these aspects can be tailored around your business.
In addition, you will need to consider the more standard covers that many businesses will need – public and employers’ liability, as well as protection for your premises and contents as well as business interruption.