More than insurance

Boutique hotels and retreats provide a specialist service. One that provides comfort, facilities and relaxation. Many are housed in heritage buildings, which provide part of the charm, character and appeal, and which themselves require specialist care.
 
With over 130 years of experience, we understand the unique challenges faced by the hospitality sector, and we are specialists in the protection of heritage property. From the risk of a major fire and the cost of building maintenance to reputational damage and much more, our bespoke ‘Heritage Business and Leisure’ policy is designed specifically for luxury hotels and retreats. Plus our services and guidance material have been designed to provide you with additional support that helps protect your assets and business. 

Specialist cover for hotels and retreats

Our insurance includes cover for necessities such as equipment breakdown, loss of licence and guest valuables. 
 
You will also find cover for other physical risks, as well as your liabilities:
 
  • ‘All-risks’ property damage cover
  • Contents cover including for personal belongings 
  • Business Interruption including loss of attraction and customers/suppliers extension
  • Automatic extension for minor contract works
  • Loss of registration/licence including premises and wedding
  • Fine art and collections
  • Personal accident 
  • Public liability
  • Employers’ liability
  • Professional indemnity
  • Directors’ and officers’ liability 
  • Trustees and management liability 
  • Hirers' Liability
  • Reputational risk
  • Fidelity guarantee 
  • Marquee protection
  • Legal expenses including cover for planning application refusal appeals
  • Loss of money
  • Terrorism
  • Goods in transit
You can add additional covers and services such as Cyber Insurance and Engineering Inspection. Talk to your broker about the level of additional cover that is appropriate for you.

How we support you

Collaboration with sector experts

Ecclesiastical works closely with a number of organisations who share a common goal to tackle challenges facing heritage property owners, ultimately helping to protect our heritage and those who operate within it. This includes:
 
  • Trialling innovative sensor technology to help detect fire and escape of water risk as well as reduce operational costs. 
  • Supporting The Heritage Alliance in their lobbying to reduce VAT on repair costs to heritage buildings
  • Producing slips and trips advice with the HSE, bespoke to heritage buildings 
  • Sponsorship of heritage skills education.

Risk management services

Our risk management team can provide you with an analysis of your risk management practices, that gives you advice tailored to your specific circumstances. Our risk advice line and website also offer a library of on-going guidance and support at no additional cost. 
 
As a customer, our Preferred Supplier Network presents a list of market-leading specialists offering you discounted risk mitigation services and products.

Specialist building valuations

The Royal Institute of Chartered Surveyors suggests that 80% of commercial properties in England and Wales could be underinsured1. At no additional cost, we can offer a comprehensive building valuation2. This helps to improve the accuracy of your sum insured and ensure that in the event of an insured loss, you receive the correct payment required to rebuild your business.
 
Your property will be placed on the most appropriate index. Where relevant due to its heritage nature, we will use our exclusive building index, the Ecclesiastical Heritage Index, to ensure your sum insured remains accurate throughout your policy. This specialist building index tracks the costs of building materials and specialist skills that are often unique to traditional buildings (pre-1920). 

Award-winning claims team

Should you need them, our award-winning, UK based claims team, with a 98% claims satisfaction rate3, are ready to support your new claim 24 hours a day, seven days a week.  
1 Research by the Royal Institute of Chartered Surveyors and the Building Cost Information Service suggest as much as 80% of businesses in England and Wales have an element of under-insurance on their commercial properties
2 Subject to underwriting criteria 
3 Ecclesiastical claims satisfaction survey 2019 - 164 commercial customers who have had their claims settled
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