Guest Houses & Bed & Breakfast
This product is designed to cater for premises with a maximum of 15 letting bedrooms. Business contents is tiered with a maximum contents sum insured of £120,000, we provide full theft and accidental damage cover on both buildings and contents. Our policy cannot cater for risks with facilities open to non residents, we can quote for these on a separate product upon referral.
Holiday Homes & Self Catering Accommodation
This product can cater for holiday homes which are let to family/friends or commercially let (UK Only). We have the unique option to extend both buildings and contents covers to include accidental damage
This product can cater for staff accommodation where the principle occupation of the insured's trade features on the HIUA trade list. Full accidental damage cover on buildings, new for old cover on contents and alternative accommodation up to 20% of the buildings sum insured.
Public Houses & Inns / Wine Bars
This product is available for public houses with a maximum of 5 letting bedrooms. Designed to capture the gastro-pub market, the policy is only available for premises with no permanent dance floor, DJ booths, entry charge or regular band nights. Full accidental damage cover on buildings and contents with full theft cover whilst paying guests are in residence. We have the option to include proprietors household contents if they live on site.
Restaurants & Cafes / Coffee Shops
This product is available for restaurants, 'restaurant with rooms' or cafes with a maximum of 5 letting bedrooms. The policy is only available for premises with no permanent dance floor, DJ booths, entry charge or regular band nights. Full accidental damage cover on buildings and contents with full theft cover whilst paying guests are in residence. We have the option to include proprietors household contents if they live on site.
Fish & Chip Shops / Takeaway Food Premises
This product can cater for fish & chip shops, takeaway food premises and sandwich shops with a maximum of 15 covers. Maximum buildings sum insured £1,000,000 and maximum contents sum insured of £100,000. We have the option to include proprietors household contents if they live on site.
This product is tailored for property owners where the building itself is occupied by an HIUA trade.
Hotels & Motels
This product is designed to cover larger hotels either independent or as part of a chain. Our policy is flexible with no upper limit for sums insured (subject to referral). We have the ability to cover attached leisure/spa facilities and helicopter landings. Standard covers include personal accident, landscape gardening, fire brigade damage costs, trace and access, PL at £5,000,000 and option to include directors & officers cover.
HIUA can provide bespoke terms for small to medium sized brewery risks, offering comprehensive benefits tailored to the needs of the individual brewery including material damage, public/products liability, environmental protection and directors & officers cover. Risk presentations should be emailed to email@example.com
HIUA provide a selection of policies specifically catering for the hospitality trade allowing brokers throughout England, Scotland, Wales, Channel Isles & Isle of Man to benefit from our expertise in the Hospitality Insurance Industry. The first delegated authority hospitality scheme was designed in 1985 with a retail offering in the North West of England, since then our experience has grown nationwide with a wider offering of hospitality products. In 2007 the HIUA brand was formalised,
we now have 6 insurers sitting behind our trade list with around 200 trusted partner brokers utilising our facilities.
HIUA work closely with a dedicated firm of loss adjusters to ensure claims are dealt with in a timely and fair manner, their remit is to ensure minimum disruption to the clients business, allowing an unfortunate claim to be resolved quickly and the business to be trading successfully once more.
The combination of bespoke products, comprehensive cover, competitive premiums and generous brokerage has allowed HIUA to build a strong panel of trusted brokers, if you are not already an agent please feel free to register your interest today.
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