Hospitality and Leisure Insurance

Buildings and amenities

• Do the buildings have fire suppression?
• Are there any listed buildings?
• What amenities are provided (e.g., leisure, entertainment, spa facilities or sale of alcohol)?
• Are there amenities provided for children (e.g., crèches, baby-sitting or baby listening)?
• Who provides these amenities?
• Is valet parking offered?

Events and entertainment

• Does the premises host functions (e.g., weddings, exhibitions, etc.)?
• What is the cleaning regime and Legionella controls?
• Is there outside catering or tableside cooking?
• Is there live entertainment, dance floor or other types of entertainment (e.g., cabaret, plate smashing, etc.)?
• Is there a tronc arrangement in effect?
• Are there extended opening hours for drinks service (e.g., beyond midnight)?

Hotels with golf courses

• Questions about the course
  • How many holes does the course have?
  • Does someone live at the premises/on the course?
  • How far are the green keepers’ sheds from the main complex?
  • Is the course under construction?
• Questions about the club
  • Is the club a private members’ club?
  • How many active members are there?
  • How long has the club been established?    

Material damage

• What construction are the buildings?
• Are there any Grade I buildings, Grade II or historic buildings of a similar nature on site?
• Is there a full-time fire brigade response/access and a nearby water supply?
• What kinds of rides and experiences are there?
• Are there restaurant or food services available?
  • Is there automatic fire detection and what type has been installed?
  • Is there kitchen fire suppression installed?
• Is there up-to-date inspection of the fixed wiring, with no defects outstanding?
• Has there been portable appliance testing (PAT) done?
• Is there an off-season?
• Are there intruder alarms installed? If yes, please describe.
• Is there good physical security, including perimeter protection/fencing?
• Is enhanced security in place in respect of theft and attractive grounds keeping equipment?
• Is there any history of flooding?
• Does the business have a business continuity plan?

Liability

• Do you have a written health and safety (H&S) policy that is up to date/regularly reviewed?
• Do your responsible H&S staff have any relevant qualifications?
• Are risk assessments carried out, documented, up to date and reviewed regularly?
• Is any part of the premises hired out? If so, for what activities?
• What might be any high-hazard activities or experiences?
• Are checks carried out on staff prior to employment, including disclosure and barring service (DBS), barred list and references?  

• Does the museum have any rides/interactive exhibits?
• Are the premises closed to visitors during the off-season?

Material damage/business interruption

• Does the business have modern purpose-built or purpose-converted premises?
• Is the business in close proximity to a full-time fire brigade?
• Is there a written and tested business continuity programme (to an expected high standard)? Although offices can often transition to ‘work from home’ or ‘work from anywhere’ scenarios, there are still risks from interruptions to their business. What might those be in this case?
• Is there automatic fire detection with a central station connection?
• Is there an additional fire risk from onsite canteens and similar? If so, these should be carefully underwritten, and appropriate duct cleaning/fire suppression in place.
• Access control
• What is the documented process and schedule for:
  • Fixed electricals and portable appliance testing?
  • Documented maintenance and cleaning programmes?
  • Documented waste removal programmes?
  • Smoking controls?
  • Regularly reviewing and testing of business continuity plan?

Employers’ liability

• Is there a fully certified health and safety officer?
• Are 80%+ staff permanent employees?
• Is this a low stress trade?
• Are there comprehensive and documented processes for:
  • Onboarding staff and induction programmes?
  • Role specific training?
  • Safety, health and welfare at work (chemical agents) regulations?
  • Manual handling procedures with appropriate training?
  • Provision and use of personal protective equipment (PPE) with mandatory usage where appropriate?
  • Occupational health monitoring?
  • Noise assessments?
  • Accident reporting and monitoring?

Public and products liability

• Are there documented and regularly reviewed risk assessments and safe operating procedures, including:
  • Appropriate visitor guidelines?
  • Traffic movement?
  • Processes in place to identify and mitigate Legionella risk?
  • Are there other facilities that may increase the professional liability risk such as onsite gymnasium and/or restaurant facilities open to the public?
  • Construction of buildings?
  • Fire suppression?
  • Amenities?
  • Restaurant or food service operations?
  • Accommodation or hotel?

Golf

• Golf clubs
  • Is this a private members club?
  • How many active members are there?
  • How long has the club been established?
• Golf course specifics
  • Does someone live at the premises/on the course?
  • How many holes does the course have?
  • How far are the green keepers’ sheds from the main complex?
  • Is the course under construction?