Hotel, Hospitality & Leisure
W B Baxter have been providing a specialist service to the Hospitality Insurance business sector for over a quarter of a century.
During that time and with the experience and knowledge gained, we have developed relationships with leading UK insurance companies for the provision of a comprehensive insurance solution for Hotel Owners, Hotel Operators and Hotel Management Companies, throughout England, Scotland and Wales.
We provide a personal and professional service for the very specific insurance needs including associated risk management, with advice being available on Health and Safety, Fire Protection, Food Hygiene and the like. If a claim is submitted we will provide a fully supportive claim service, liaising with insurers and appointed Loss Adjusters as necessary, to ensure claims are settled at the earliest opportunity with the very least disruption to the hotel business.
Policies arranged will include covers to protect the assets, earnings and liabilities of the business, including; All Risks Property damage, Business Interruption, Employers Liability, Public & Products Liability Insurance, Money, Directors and Officers Liability, Engineering Statutory Inspection, Deterioration of Frozen/Chilled Food, Loss of Licence Insurance and Legal Expenses Insurance.
We can also offer specialist and bespoke insurances depending on specific and unique requirements.
Our expertise extends from the conventional country house hotel and city centre hotel to locations on the top of a mountain or next to a Loch and even floating hotels!
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Property Damage
This generally refers to the buildings included in your business assets and includes the structure as well as permanent fixtures and the surrounding grounds (driveways, patios, paths and outbuildings). A policy can also be extended to cover machinery and equipment that is critical in running your business.
Public and Products Liability
This class of insurance is designed to protect a business in the event that an allegation of responsibility for personal injury or property damage is brought against the business from a third party.
Business Interruption
This form of insurance is designed and intended to mitigate losses to a company’s trading position, allowing you to get back on track as quickly as possible.
Cyber
Cyber criminals are after data, looking to cause system interruption and obtain money.
No matter how robust your protections are, antivirus can only combat known issues (antivirus companies have been hacked!) and cyber-criminals value all data, yours included. Their method of attack can take many forms.
Management Liability (D&O)
Traditionally known as Directors & Officers Insurance, Management Liability Insurance protects company directors, senior managers and officers of charities, boards and committees if a negligence claim is brought against them in court or at an employment tribunal.
Loss of Licence
As a business, you strive to comply with licensing laws but despite this, your alcohol licence can still be revoked by your Local Authority due to external circumstances beyond your control, such as public nuisance and crime and disorder.
Loss of licence insurance protects against losses from having your alcohol licence revoked and can cover costs and expenses incurred when applying to regain it.
Employers’ Liability
Employers’ Liability insurance is a legal requirement if you employ staff and provides cover if a member of staff is injured or suffers an illness as a result of your business activities.
Chartered Status
Adler Fairways is a Chartered Insurance Broker. Chartered status is the gold standard. It is only awarded to brokers that are committed to developing and maintaining the knowledge and capability of their people to deliver the highest quality service.
Experienced
Clients benefit from the combined strength and expertise of the W B Baxter and Adler Fairways Insurance Brokers Limited teams, delivering consistently high standards of service while supporting the future of the insurance industry and local communities.
Independent
We are proud of our independent status, built on strong family business values that remain at the heart of everything we do, guiding our continued growth, development and commitment to exceptional client service.