Owners of a Bunkhouse, Backpackers Hostel & Group Self Catering Accommodation require buildings and contents cover like any other property owner. If you employ any staff then you are required by law to have Employers' Liability Insurance also. In addition to the above we can provide many extensions such as personal possessions for owners contents and cover for business interruption to ensure you are able to continue get back on your feet again should you suffer a claim.
Most standard contracts will exclude theft from your property unless there is violent or forcible entry or exit to the premises, we will discuss your particular circumstances and if relevant can discuss extending your cover to include full theft insurance. Many brokers and insurers don't understand how a leisure / tourist hostels differ, we can help extend cover and obtain the best rates from insurers.
If an employee, whether past or present, becomes ill or is injured whilst in your employment they may try to obtain compensation from you. You are legally required to hold Employers' Liability insurance if you employ any staff and this cover ensures you have at least the minimum level required in law to cover the cost of such claims.
Similarly to Employers' Liability this covers any injury or illness that any member of the public may incur while staying in your accommodation. Unlike Employers liability this is not required by law, although it is a very good idea for anyone in the leisure industry where you have paying guests / members of the public on your property. Without public liability the company, or even its directors or owners can be held responsible for any loss or claim, potentially bankrupting not only the business but its owner or directors as well.
Town & Country have access to the whole market, as mentioned above we can specifically access hostel and bunkhouse insurance schemes that aren't available to all brokers. Our relationships with insurers mean we get preferential rates especially when we have conducted a site visit but even where the information is obtained over the phone our knowledge of the industry helps us to secure the best available terms on your behalf.