Hotel

For an additional premium Cornhill Direct Business can offer a range of optional extras to your Hotel and Guesthouse insurance policy. These include:-

• Buildings - Covers the cost of rebuilding your premises and has the option to include subsidence cover.
• Subsidence - This provides cover for damage to your premises as a result of subsidence, ground heave or landslip
• Theft by employees - Provides cover against a direct loss as a result of fraud or dishonesty of employees relating to theft of money or contents up to the limit of £5,000 in any one policy period.
• All risks specified items - Provides cover for any specified items that will be used away from the business premises throughout the UK and for up to 30 consecutive days elsewhere in the world.
• Computer breakdown - Provides cover for loss or damage caused by computer breakdown or failure up to the value specified by you. Cover also extends to include:
  • Loss or damage to computer records up to a limit of £5,000 in any one policy period.
  • Additional expenditure arising from the breakdown of computer equipment up to £10,000 in any one policy period.
  • Reinstatement of data up to £5,000 in any one policy period.
• Terrorism - Covers you against damage to your property from the effect of acts of terrorism up to the maximum sums insured of Section 1- Contents and Section 5 - Buildings
• Household Goods & Valuables - Covers:
  • Property belonging to you or your resident manager or any family member permanently residing at the hotel. Limit any one valuable £1,000
  • Property belonging to any employee. Limit any one residential employee £1,000. Limit any one non residential employee £500 

Commercial Legal Protection

We offer Commercial Legal Protection as an optional cover which will cover your legal expenses in certain circumstances as explained in the Policy Document. Our Commercial Legal Protection cover is underwritten by DAS Legal Expenses Insurance Company Limited who are not part of the Allianz Group.

Commercial Legal Protection cover has the following features and benefits:

• Employment disputes and compensation awards.
• Legal defence.
• Property protection and physical injury.
• VAT disputes and Tax investigations.
• Maximum limit of £100,000 for any one claim.
• Maximum limit of £1,000,000 in any one period of insurance for Employment Compensation Awards.

Significant Exclusions or Limitations for Commercial Legal Protection include:

• Employment dispute where the cause of action arises within the first 90 days of the indemnity provided by this section of the policy.
• Dispute with an employee who was subject to a written or oral warning (formal or informal) within 180 days immediately preceding the inception date of the indemnity provided by this section of the policy if the Date of Occurrence was within the first 180 days of the indemnity provided by this section of the policy.
• Redundancy or alleged redundancy or unfair selection for redundancy arising within the first 180 days of the indemnity provided by this section of the policy.

Get a Quote