We have identified below our standard coverage for a Gauntlet policy. Higher limits are available to meet your specific needs.

The summary below is for illustration purposes only. Please call us on 01923 298412 for clarification of specific coverage available under a Gauntlet policy as well as terms, exceptions, conditions and warranties that may apply.

You can pay your premium monthly or annually. An interest free monthly payment arrangement can also be provided if you agree an undertaking to maintain your insurance through Gauntlet for a period of three years.

Loss of or Damage to Property

All Risks cover for Buildings, Contents, Plant & Machinery and Stock automatically includes:

Tick“walk in” theft extension 
Tickloss of rent payable 
Tickhotel customers and employees personal effects 
Tickreplacement of locks following key theft  
Tickproperty at outside catering site 
Tickloss of metered water 
Tickgoods in transit  
Tickglass breakage including temporary boarding up costs  
Tickgroundsmen’s property in outbuildings 
Tickautomatic seasonal increases for additional stock  
Tickloss of laptops and mobile phones anywhere within UK

Business Interruption

Loss of Gross Revenue following Loss of or Damage to property automatically includes:

TickIncrease in cost of working 
Tickloss of rent receivable 
Tickloss of outstanding balances 
Tickfailure of public utilities  
Tickoutbreak of notifiable disease  
Tickprevention of access following public emergency  
Tickinterruption of public utilities to the hotel premises  
TickLoss of attraction such as a nearby pollution incident

Loss of Money

Cover automatically includes:

Tickcash on the premises, in transit and in bank night safe 
Tickdamage to safes and franking machines 
Tickunauthorised use of company credit cards 
Tickmoney in vending machines

Personal Accident (Assault)

Defined Benefits payable for injury sustained during robbery or attempted theft includes:

Tickcapital sum in event of death or loss of an eye or limb  
Tickcapital sum in event of permanent total disablement 
Tickweekly benefit for temporary total disablement 
Tickloss or damage to employee’s clothing

Employers Liability

Standard Indemnity Limit £10M covers:

Ticktemporary visits overseas  
Tickcourt attendance compensation 
Tickprivate work undertaken by employee for owner or senior executive 
Ticksport social medical and welfare activities undertaken by staff

Public and Products Liability

Standard Indemnity Limit £5M covers:

Ticktemporary work overseas  
Tickpersonal liability of owners residing on premises  
Tickwrongful arrest 
Tickmotor contingent liability  
Tickcourt attendance compensation

Legal Expenses

Expenses incurred in legal defence of:

Tickemployment disputes and compensation awards 
Ticklegal defence prior to prosecution by police or regulatory body 
Tickproperty protection and bodily injury 
Ticktax protection involving enquiries, compliance or VAT disputes 
TickEmployment manual written by specialists in employment law

Loss of Licence

Loss of excisable liquor licence includes:

Tickdepreciation in value of the premises 
Tickcosts of appeal against refusal to renew

Equipment Breakdown

Cover for Sudden and Unforeseen breakdown of:

Tickfreezers and refrigerators causing deterioration of stock 
Tickcomputer and/or telephone equipment  
Tickcommercial boilers and economisers 
Tickloss of revenue following breakdown in specific circumstances

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