Our Services
At H&L Insurance Brokers we have the knowledge and experience in the following areas.
Hospitality & Leisure
No two clients are the same as we will provide you with a comprehensive programme tailored to your demands and needs as well as the comfort and security you are entrusting Industry experts.
Covers Highlights
- Material Damage
- Business Interruption including cover for Infectious diseases
- Employers’ Liability & Public and Products Liability
- Money
- Crime
- Customer Car Parking
- Engineering Inspection and Breakdown
- Group Personal Accident
- Legal Expenses
- Loss of Licence
- Fine Art
- Crisis Management
- Business Travel
Property Owners
Whether you have one property or multiple locations, we will provide you with a comprehensive programme using our market expertise and panel of expert insurers.
Cover Highlights
- Property Damage
- Property Owners’ Liability
- Commercial Legal Expenses Optional Covers
- Loss of Rent
- Employers’ Liability
Contract Workers & Developments
We will build your insurance cover around you, whether you are property owner undertaking a large construction project or a construction business.
Cover Highlights
- Contracts All Risk
- Non-Negligent cover
- JCT
- Latent Defect
- Public, Products and Employers Liability Insurance
- Own Plant
- Hired in Plant including continuing hire charges
- Employees tools
- Warranty and Indemnity
Hospitality Partners
Our expertise means that we can provide bespoke Insurance programmes for all businesses in the hospitality sector. We partner with a wide range of Insurers who can provide competitive packages for the following sectors.
Cover Highlights
- Catering
- Event organisers
- Marketing
- Suppliers & Maintenance
- Technology
- Designers
Financial Lines
Professional Indemnity Insurance
Whether you are an Architect, Accountant, Surveyor, Solicitor or any professional who provides advice as part of your business, you could find yourselves open to a Professional Indemnity claim.
We can arrange a Professional Indemnity Insurance Policy to protect you against your legal liability, towards third parties for financial compensation, arising from professional negligence or that of your employees or sub consultants.
Directors & Officers Insurance
As a Director or a person of significant control within a business, you can be sued personally, where a third party suffers a financial loss, as a result from actions of your business.
We can arrange cover that provides protection and peace of mind that your personal assets are protected.
Cyber
In this digital age, many of our businesses and organisations are particularly vulnerable to cyber-attacks due to the sensitive customer (or client) data they hold. And should your data or network be compromised due to a cyber-attack; you could be subject to a fine and suffer potential reputational damage as a result.
Cyber insurance will not only protect you against the loss of income and any claims made against you following a data breach, but you will also have access to legal advice and a team of experts to help minimise the damage caused to your organisation – be it financial or reputational.
Cover Highlights
- First and Third Party Cover
- Forensic experts
- Data Breach Response Costs which include:
- Emergency Costs
- Reputational Advice Costs
High Net Worth
We understand the care and attention that goes into making it your home. Your home and all that is in it, reflects everything you have worked for. Our Panel of Insurers understands each property is unique and the covers required reflects this
Cover Highlights
- Buildings
- Replacement value for contents
- Water or oil leak coverage, including cost of loss and damage
- Comprehensive family protection
- Worldwide travel insurance
- Public liability and legal expense coverage
- Comprehensive worldwide coverage of valuables to their Agreed Value
- Fine Art
Hotel Audit
This service is at no obligation and no cost to you. A confidential review of your insurance programme to identify if it’s tailored to meet your requirements. A detailed report will be provided on the following:
Cover Highlights
a. Policy wording
b. Policy schedule – with details on the following areas:
- Property sum insured
- Business interruption sum insured and indemnity period
- Liability limits
- Policy endorsements and extensions
- Insurers to ensure that they are ‘A’ rated
- Financials actuals and forecasted
For our existing clients – we can provide an insurance vetting service of any of your current suppliers.