Chapter 3 - hotel and guest houses Flashcards
Hotels - What act from 1956 applies the circumstances in which strict liability applies and the amount the hotel is liable for?
Hotel Proprietors Act 1956
Hotels - Under the Hotel Proprietors Act 1956 - what is the liability of the hotelier limited to?
£50 for any one article or £100 for the property of any one guest.
Provided the hotelier displays a notice providing details of the act in a conspicuous place.
Hotels - What act increases the Hotel Proprietors Act and for what region?
London Local Authorities Act 2004. Increasing the limits payable by hotels within Greater London to £750 for any one article and £1,500 for the property of any one guest.
Hotels - What does strict liability not extend to in term of the hotel proprietors liability?
Motor Vehicles or there contents
Animals
Items deposited with the hotel for safe keeping
Theft my employees of the hotel
Hotels - Since motor vehicles or their contents and animals are excluded by the Hotel Prorietors Act, what would cover there liabilities?
The hotel and guest policy, subject to the notice being displayed and some insurers impose an inner limit of typically £25,000.
Hotels - Is goods in transit covered as standard?
Yes
Hotels - Is damage to external blinds and signs covered as standard?
yes
Hotels - Is replacment locks and keys following theft covered as standard?
yes
Hotels - Is temporary removal of documents covered as standard?
no
Hotels - Are seasonal stock increases covered as standard?
Yes
Hotels - What is different about the standard theft cover on a hotel package compared to a normal package?
It is full theft cover and is not restricted to theft involving forcible and violent entry to or exit from the premises?
Hotels - What is excluded under the full theft cover?
Collusion ie conspiracy or plan
Hotels - What is covered under Property in the open and under what limits?
Things like picnic tables or garden benches in the hotel grounds.
Between £500 - £2000 cover
Hotels - How much is covered under Guests’ personal effects and motor vehicles?
Personal Effects - £1000 to £2500
Moto - £10,000 for any one vehicle
Hotels - Under guests’ personal effects and motor vehicles, what is excluded?
Liability for guests’ property deposited with the hotel for safekeeping unless valuables and money are kept in a safe or strongroom.
Hotels - What kind of cover is Guests’ personal effects and motor vehicles?
This is a property damage cover.
Hotels - Does guests personal effects and motor vehicle cover and Employees’ personal property cover have to comply with the Hotel Proprietors’ Act?
It applies regardless of the issues of negligence and strict liability discussed in relation to the Hotel Proprietors’ Act.
Hotels - How much cover is there under Employees’ personal property?
Between £750 - £1000 per employee
Hotels - What cover is there for “loss or damage caused by leakage of bulk beverage supplies”?
There is no cover for the replacement of the beverage itself.
Hotels - What is the single article limit for any paining and other works of art?
£5000
Hotels - What cover is there for disease, infestation or defective sanitation, and what element of the policy would pick this up?
This extends the business interruption cover to include loss of gross profit following disease, infestation or defective sanitation at the premises, subject to a limit of £25,000.
Hotels - Is buildings covered as standard?
No - optional extra
Hotels - Is freezer contents covered as standard?
No - optional extra
Hotels - Is fidelity insurance covered as standard?
No - optional extra
Hotels - Is portable equipment covered as standard?
No - optional extra
Hotels - Is terrorism covered as standard?
No - optional extra
Hotels - Is computer breakdown covered as standard?
No - optional extra
Hotels - Is legal expense cover covered as standard?
No - optional extra
Hotels - What is different about hotel legal expense cover?
this includes cover for appealing to the relevant statutory or regulatory body following the revocation, change or refusal to renew a statutory licence
Hotels - Is personal accident included as standard?
No - optional extra
Hotels - Is loss of licence covered as standard?
No - optional extra
Hotels - What is loss of license cover?
Cover for the reduction in the insured’s interest in the premises or business due to non-renewal or withdrawal of the license to sell liquor due to causes beyond the insured’s control.
Hotels - What sum insured is there on loss of license cover?
£100k - £200k
Hotels - Do loss of license cover the expenses involved in trying to regain the license?
Yes
Hotels - Is outside catering covered as standard?
No - optional extra
Hotels - What is included in outside catering cover?
Cover for injury to the public and damage to their property, plus damage to the insured’s own equipment.
What sum insured’s are there for outside catering?
Public liability cover is subject to a standard policy limit of £2m.
A sum insured of £2,000 typically applies for damage to the insured’s own equipment.
