Hospitality & Hotels
Cover that protects from operational risk to reputation risk.
Hotels and leisure businesses are at the intersection of property exposures, guest interactions, operational liabilities and reputational risk. Beyond bricks and mortar, we see the ecosystem that drives hospitality business success, and we insure it accordingly.
Every hotel and hospitality business has its own risk fingerprint, shaped by its service model, staffing structure, guest profile, event activity and seasonal occupancy.
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We design insurance programmes that protect property and contents across single sites and multi-location portfolios, safeguard revenue against interruption from insured losses, respond to guest liabilities arising from food, drink and on-site activities, and address cyber exposures linked to reservations systems and guest data. Our aim is to protect your assets, and keep your business operating smoothly when risk events occur.
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Scottvale provides specialist insurance solutions for hotel owners, operators, investors and leisure businesses operating in guest-facing environments. We structure cover around the realities of hospitality, including fluctuating occupancy, food and beverage exposures and brand reputation risk.
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Our clients include luxury and boutique hotels, serviced apartment operators, leisure and resort businesses and investor-backed hospitality brands seeking nuanced, resilient protection, protecting not just buildings, but revenue, reputation and the guest experience.
OPERATIONAL RISK REVIEW
Deep review of your venues, service model, guest profile, food and beverage operations, events and staffing structure to understand the true risk picture.
PROGRAMME DESIGN
Insurance structured around your property, contents, revenue interruption and liability exposures, including cyber and brand risk where relevant.
MARKET NEGOTIATION
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Clear market presentation and insurer negotiation to secure strong terms with insurers that understand hospitality risk.
ONGOING MANAGEMENT
Active management of mid-term adjustments, renewals and portfolio changes as your operations and occupancy patterns evolve.
CLAIMS ADVOCACY
Strategic claims support, insurer engagement and loss mitigation advice when guest incidents or operational losses occur.
Assessing your operational and guest risk
Every hotel and hospitality business has its own risk fingerprint, from service offerings and staffing models to event programming and seasonal occupancy. Our aim is to deliver insurance that protects assets, and keeps you running when risk events occur. We evaluate:Â
PROPERTY AND CONTENTS RISKS IN MULTIPLE LOCATIONSÂ
LIABILITIES ARISING FROM FOOD, DRINK AND ACTIVITIESÂ
REVENUE INTERRUPTIONS DUE TO GUEST CLAIMS OR CATASTROPHES
CYBER EXPOSURES TIED TO RESERVATION SYSTEMS AND GUEST DATA
Your partner at every step.
From initial risk review through to claims support, we act as a long-term partner to hospitality businesses operating in fast-moving, guest-facing environments. We take time to understand how your hotel or leisure business operates day-to-day, structure cover around your assets, revenue streams and brand exposure, and present your risk clearly to insurers to secure robust terms.
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As your operations evolve, seasonally or as your portfolio grows, we manage ongoing changes and provide strategic claims advocacy when incidents occur.
managing risk acrOss
your sites
WHAT WE COVER
Buildings and contents
Cyber risk
Business interruption
Terrorism
Public & employers’ liability / food & drink liabilityÂ
Guest property and valuables
Reputational and operational exposures
Risk management solutions for major developments
YOUR RISK MAY INCLUDE COVER FOR...
REPUTATION & COMPLEX RISK:Â
REPUTATIONAL & OPERATIONAL EXPOSURES, CYBER RISK, TERRORISM, RISK MANAGEMENT SUPPORT FOR MAJOR DEVELOPMENTS
INCOME, LIABILITY & OPERATIONS:Â
BUSINESS INTERRUPTION, PUBLIC AND EMPLOYER'S LIABILITY, FOOD AND DRINK LIABILITY, OPERATIONAL EXPOSURESÂ
ASSET & GUEST PROPERTY:Â
BUILdINGS AND CONTENTS,
GUEST PROPERTY AND VALUABLES
ASSET & GUEST PROPERTY
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Buildings and contents, guest property and valuables
covering Your RISKS
INCOME, LIABILITY & OPERATIONS
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Business interruption, public and employers’ liability, food and drink liability, operational exposures
REPUTATION &
COMPLEX RISK
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Reputational exposure, cyber risk, terrorism, risk management support for major developments