hotel insurance

Exclusions and limitations

Please refer to the policy document for terms and conditions.

These are some of the exclusions that apply to the policy. There are also further provisions such as those relating to under insurance as well as general conditions and exclusions. Details of these can be found in the policy document. Other additional terms and conditions may be applied in certain cases. Excesses apply to certain types of claims.

Damage to signs - Cover excludes neon signs. See Extension 2 of Section 1 for terms and conditions.

Stock in any cellar - or basement must be placed on racks at least 150mm above floor level - see Section 1 of the Policy Document - Contents of the Hotel; item A2 and A3, for terms and conditions.

Goods in Transit (Security) – If vehicle is left unattended it must be locked at all points of access and in addition it must be garaged in enclosed premises which are securely locked or have a watchman in constant attendance between the hours of 9pm and 6am. See Section 1 item E3 of the Policy Document for terms and conditions.

Goods in Transit (Frozen or Chilled Foods) - Cover excludes deterioration of goods due to faulty stowage, incorrect setting or operation of the equipment or variations in temperature unless directly due to fire, or accident to the vehicle or theft or attempted theft. See Section 1, Extension 3, Exclusion a) for terms and conditions.

Money on Premises - Money left unattended and not contained in a locked safe will be limited to £500. See Extension 5 of Section 1 for terms and conditions.

• Money belonging to guests deposited with you for safe custody. See section 1 - item 5 of the policy document for the terms and conditions.

Transition Condition - Is a condition precedent to liability that whenever money in transit exceeds £2,500 at any one time:

• a) the money must be accompanied by not less than two responsible adult persons.
• b) not more than £2,500 will be carried by any one person.

Personal Accident - Assault - Age limits of 16 to 70 apply. Compensation for death, loss of limb or sight only applies if they occur within two years of sustaining the bodily injury. See Extension 6 of Section 1 for terms and conditions.

Business Interruption - Loss of gross profit to your business following the failure of the public supply of electricity, gas, water or telecommunications is limited to interruption caused by destruction or damage occurring at the premises of the supplier. See Section 2 Extension 4 of the Policy document for terms and conditions.

Cloakrooms - Cover excludes:

• Loss or damage caused by fire and/or explosion
• Loss from any unlocked and unattended cloakroom
• Loss or damage to jewellery, watches and the like. See section 3b - paragraph L of the policy document for terms and conditions

Asbestos Exclusion - Only applicable to Public and Products Liability. We will not be liable for legal liability in respect of injury, loss or damage directly or indirectly caused by arising from in consequence of or in any way involving asbestos.

Provided that this exclusion shall not apply to liability for injury or loss of or damage caused by any commodity, article or thing containing asbestos where the presence of asbestos is not in itself a direct or indirect cause of such injury or loss or damage.