Quotation Request

Hotel & Guesthouse

Disclosure
Proposer Details
Premises
Cover Details
Risk Information
Risk Protections
Claims

Disclosure Statement:

When taking out insurance wholly or mainly for purposes related to your trade, business or profession, you have a duty under The Insurance Act 2015 to make a fair presentation of the risk. This means that you must disclose every material circumstance which you and/or your senior management and/or anyone responsible for arranging your insurance know or ought to know. Alternatively, you must disclose sufficient information which would put the insurer on notice that it needs to make further enquiries for the purpose of revealing those material circumstances. You are expected to carry out a reasonable search in order to make a fair presentation of the risk and will be deemed to know what should reasonably have been revealed by the search.

Your duty of fair presentation applies at the start of the policy, at renewal and when any variation of the policy is arranged. If you fail to make a fair presentation, the insurer may refuse to pay your claim or reduce the settlement amount, depending on the circumstances.

I have read this statement:

Neither the Proposer, nor any directors or partners in the business have ever:-
had an insurance contract cancelled by an insurer.
Please provide full details:
had an insurance contract declared void by an insurer.
Please provide full details:
had different terms applied to an insurance contract by an insurer due to misrepresentation by:

  • providing misleading or incorrect information

  • deliberately or recklessly withholding information

  • providing false documents

    • Please provide full details:
    had insurance cover restricted or cancelled due to non-compliance with risk improvement requirements.
    Please provide full details:
    been convicted of or charged with but not yet tried for a criminal offence other than motoring offences.
    NOTE: Spent convictions (as defined under the Rehabilitation of Offenders Act 1974 or any similar or subsequent legislation) do not need to be declared.
    Please provide full details:
    Health & Safety
    Neither the Proposer, nor any directors or partners in the business either personally or in connection with the business or in any other business capacity has ever been:-
    convicted of (or charged but not yet tried with) a breach of any UK health and safety legislation by any official body regulatory authority or enforcing authority.
    Please provide full details:
    served with a prohibition notice or improvement notice in connection with any UK health and safety legislation by any official body regulatory authority or enforcing authority.
    Please provide full details:
    served with a clean-up notice in connection with any UK health and safety legislation by any official body regulatory authority or enforcing authority.
    Please provide full details:
    All lifting plant and pressure vessels/boilers which are subject to Statutory Regulations are regularly inspected by qualified engineers as required by the legislation.
    To the best of their knowledge the proposer complies with their legal obligations under UK health and safety legislation.
    Financial
    Neither the Proposer, nor any directors or partners in the business or in the name of any other business which any of us had an interest have:-
    been declared bankrupt or insolvent either as private individuals or in connection with any business within the last ten years.
    Please provide full details:
    been disqualified from holding a directorship.
    Please provide full details:
    been the subject of a County Court Judgement (or the Scottish equivalents) in respect of debt as private individuals or in connection with any business within the last six years.
    Please provide full details:
    been a director or partner in a business that has been the subject of a County Court Judgement (or the Scottish equivalents) in respect of debt within the last six years.
    Please provide full details:
    been officers of a company that has been declared insolvent, or had a receiver or liquidator appointed, or entered into arrangements with creditors in accordance with the Insolvency Act 1986 within the last ten years.
    Please provide full details:

    Proposer Details

    Inception Date
    Proposers name and trading name in full
    i.e. Mr & Mrs John Smith t/as The White Horse
    Contact Name
    Date of Birth
    Contact Number
    Mobile Number
    Email Address
    Company Number
    Reason for being ERN Exempt:
    Is there a Third Party Interest to be Noted?
    Third Party Interest
    Risk Address
    Please give full details of any previous Ownership / Managerial experience with the same trade:

    Premises

    The Premises / Buildings of the Business being proposed:
    have walls built of brick, stone or concrete?
    Please provide full details:
    have a roof of slate, tile, metal or concrete, excluding any flat roof area?
    Please provide full details:
    Please advise construction:
    Has any flat felted roof on the premises been professionally inspected and any defects repaired within the last 2 years?
    are in a good state of repair and kept in a like manner?
    have a listed status?
    What Grade?
    Please advise what year the premises was built:
    located in a shopping centre, arcade or mill complex?
    Please provide full details:
    i.e. what type of building, what floor, etc.
    trade all year round?
    Please provide full details:
    i.e. when is the business closed, does the owner/employee live on whilst the premises are closed, etc.
    entirely self contained?
    i.e. with a separate lockable entrance and exit
    Please provide full details:
    are occupied solely by the Business?
    What is the nature of the other business/businesses?
    have residential accommodation at the premises other than that which acts as the private dwelling of the proposer or their employees?
    Is accommodation let to Students, Asylum Seekers, Refugees or persons who receive Housing Benefits directly or indirectly?
    Please provide full details:
    i.e. who resides, is the lease directly with the tenant, etc.
    occupied by the proposer, or their employees, overnight?
    Please provide the address of where the owner / employee resides:
    are free from storm exposure and/or are in an area which is free from flooding and at least 400 metres away from the nearest river, canal, lake or tidal waterway?
    Please provide full details:
    are free from, and in an area (within 400m of the premises) which is free from any signs of subsidence, heave and/or landslip?
    Please provide full details:
    i.e. when did the subsidence/landslip/heave occur, what has been done to the premises since, etc.
    had the Electrical Installation tested by a certified NICEIC, ELECSA or ECA Contractor within the last 5 years and all reported defects remedied?
    has an open fire, woodburning or multifuel stove?

    Cover Details

    Buildings
    Day One Reinstatement Value

    Including Subsidence and Landlords Fixtures and Fittings

    If it is your responsibility to insure the building, please provide the rebuild value. If it is not your responsibility, please leave as £0.

    £
    Signs
    Premium Charged
    £
    Please provide full details:
    Playing Surfaces, Artificial Surfaces and Floodlights
    Maximum Sum Insured in respect of Floodlights is £15,000
    £
    Loss of Rent Payable
    If Loss of Rent Receivable is required, please include in the Business Interruption figure
    £
    Tenants Improvements
    If you have made any improvements to the property such as new walls, floors, sanitary ware, external signs, canopies or awnings, please advise the reinstatement amount. If you have not made any improvements to the building, please leave as £0.
    £
    Trade Fixtures & Fittings, Machinery, Plant and all Other Contents (Ex. Stock in Trade)

    Including Property Held in Trust

    Please provide the replacement value of the contents of the property i.e. furniture, kitchen equipment, bar/counter etc.

    £
    Electronic Equipment & Computers (including EPOS systems and computerised tills)
    Please provide the replacement value of any electronic equipment or computers such as the till system, computers, CCTV, Televisions etc.
    £
    Property in the Open
    Premium Charged
    £
    Please provide full details:
    Domestic Contents

    Single article limit of £1,500 (Excludes Jewellery and Antiques)

    If you live on the premises and would like to include your personal items such as furniture, white goods, personal possessions please provide the replacement amount. The maximum we can cover is £40,000. Please note that this policy cannot include jewellery that is taken away from the premises.

    £
    Are there any valuables with a single article limit of over £2,500?
    Includes jewellery, watches, antiques and fine art.
    Please specify all items with a single article limit over £2,500:
    Please include description, value etc.
    Stock

    Including Materials in Trade, the Property of the Insured or held in trust or commission for which the Insured is held legally responsible

    Please provide the amount of stock you have at any one time, including beers and ciders if applicable.

    £
    Wines & Spirits
    Please provide the amount of Wines & Spirits you will have at any one time excluding beers and ciders. If you are not licenced, or do not stock any Wines & Spirits, please leave as £0.
    £
    Is Loss of Licence cover required?
    Tobacco
    £
    Deterioration of Stock
    £
    Goods In Transit
    £
    Money During Business Hours and In Transit
    £
    Money in Locked Safe outside Business Hours
    £
    Business Interruption
    £
    Number of Employees
    Has a Health & Safety Risk Assessment of the premises been carried out?
    A formal procedure is to be established that periodically audits the effectiveness of the companies health and safety documentation and procedures against best practice and to ensure that it reflects the hazards and risks to which the organisation and its employees and visitors are exposed. Once reviewed the documents should be signed and dated by a director and brought to the attention of all employees on a signed receipt basis.
    Is there a Health & Safety Policy in place?
    Estimated Annual Turnover
    £
    Estimated Annual Wageroll
    £
    Employers' Liability is automatically included at £10,000,000
    Public and Products Liability is automatically included at £5,000,000
     

    Risk Information

    Is frying undertaken at the premises, other than shallow frying?
    Is there a full frying range (fish & chip shop style) located and used at the premises?
    i.e. Traditionally found in a Fish & Chip Shop
    Are the kitchen and/or canopy hood, range extraction systems and ducting annually maintained and cleaned by professional contractor?
    Is the Range maintained and cleaned at least once a year by an independent contractor?
    Is a Pressure Cooker used at the premises?
    Number of Covers:
    Seating capacity at any one time
    Seating capacity at any one time
    Are any of the following in place at the premises:
    Are there any guestrooms available to let?
    How many rooms are available to let?
    Event Hire for private functions including Weddings, Birthdays, Christenings, Wakes etc. held more than twice a month?
    Please provide full details:
    i.e. what types of events is hire available for, how often are these events, etc.
    Outside Catering?
    Please provide full details:
    i.e. what services are offered, is any cooking carried out at third party premises, how many employees are involved, how many events are undertaken per year, etc.
    Live Music?
    Is Live Music, including solo artists, bands, karaoke, DJ's etc, provided more than twice in any seven day period?
    Please provide full details:
    i.e. what kind of entertainment is offered, how often, etc.
    Dance Floor?
    Is there a written Spillage Policy in place?
    Entrance fee, other than at Christmas and New Year?
    Please provide full details:
    i.e. when, for what events, how much, how many people, etc.
    Door staff?
    Are the door staff licensed and hired from an approved SIA Third Party Agency?
    Please provide full details:
    i.e. how often are door staff are used, how many etc.
    Late License (After 1am)
    Please provide full details:
    i.e. what time do the premises close, how often do they open after 1am, etc.
    Please provide full details:
    what does this include?
    Gymnasium?
    Swimming Pool?
    Is the swimming pool manned at all times?
    Are there an spa or beauty treatments carried out on the premises?
    Please provide full details:
    i.e. List of treatments carried out, if these are performed by employees or a Third party, etc.
    ATM?
    Is the management of the ATM the Proposer's responsibility?
    What is the maximum the ATM holds at any one time?
    This amount needs to be included within the money limits if cover is required
    £
    Is the ATM bolted down?
    Is the ATM emptied every night?
    Is there CCTV covering the ATM?

    Risk Protections

    Does the proposed premises comply with the minimum security requirements described below?
    1) The Final Exit Door of the premises is fitted with either a mortice deadlock / hook lock, which has 5 or more levers with matching boxed striking plate and conforms to BS3621 standard, or a cylinder operated deadlock or a deadlocking multi-point locking system. Timber doors frames to be at least 45mm thick. All aluminium framed doors are to be fitted with a swing bolt type mortice deadlock.
    2) All other external doors and all internal doors giving access to any part of the building not occupied by the insured for the purposes of the business, are fitted with either, the security detailed in 1), or two key operated security bolts of doors, fitted approximately 30cm from both the top and bottom of the door.
    3) All Cellar Flaps are fitted with the security as detailed in 1), or 5 lever close-shackle padlocks, together with substantial locking bars.
    4) All ground floor and basement opening windows and skylights and all other opening windows and skylights, accessible from roofs, balconies, decks, canopies, down pipes or canopies must be fitted with key operated window locks or permanently fixed shut.
    Any door or window officially designated to be a Fire Exit by the Fire Authority is excluded from these requirements.
    Please provide full details:
    i.e type of locks, how they don't comply, etc.
    Are the premises thoroughly protected by an intruder alarm system, under the sole control of the insured?
    What type of alarm is installed?
    Does the alarm have Police Response?
    Are the premises protected by an automatic fire detection and warning system that runs from the mains electricity (with battery back-up)?
    Have you carried out a Fire Risk Assessment?
    What fire safety measures are in place?
    Is the kitchen range within the premises protected by a kitchen fire suppression system that conforms to BS standards and is annually maintained?
    The kitchen fire suppression system must be installed and maintained in accordance with BS EN 16282-7:2017+A1:2021 with acceptable systems including (but not limited to) Ansul, Spoon2 and Ceasefire.
    Are the premises protected by a Fire Alarm?
    What type of Fire Alarm?
    Is the CCTV recordable?
    How many days are the CCTV recordings stored for?
    Are CCTV recordings kept offsite?

    Claims

    Has the Proposer(s), Partner(s) or Directors(s) suffered a loss, claim or incident (which may give rise to a claim) at these premises, or any other premises, whether insured or not within the last 5 years?
    Please provide details:
    Date Type of ClaimDetails PaidReserveMeasures Taken
    Add row

    Additional Information

    Do you want to bring any additional information to the underwriters attention?
    Please provide full details:
    Current Insurer
    Target Premium
    £
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