The Hoteliers' Combined Insurance Policy covers buildings and contents, revenue and liabilities of the hotel as well as other specified contingencies.

The policy has a wide range of covers:

• Accidental physical loss or damage to:
  > Buildings and contents
  > Radios, televisions
  > Business and trade machinery
  > Glass, signs and sanitary fixtures
  > Chilled/refrigerated stock
  > Stocks in transit
  > Machinery, boiler and pressure plant (engineering)
• Loss of rent
• Loss of revenue following accidental physical loss or damage
• Loss of revenue following engineering losses
• Loss of book debts
• Loss of money
• Employers' liability
• Public and Products liability
• Motor contingent liability
• Personal accident assault
• Group personal accident
• Fidelity guarantee

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