Why Choose Tower Hospitality and Leisure
Tower Hospitality and Leisure understands the ever-evolving and often demanding nature of the hospitality and leisure sector. From the fast pace of bustling restaurants and vibrant hotels, to the allure of exciting event venues and serene resorts, and the excitement of thrilling theme parks, family farm attractions, zoos, historic piers, and vibrant visitor attractions—we know each presents its own unique set of risks and we recognize that every business has its own distinct risk profile.
Our experienced Leisure team is dedicated to providing bespoke insurance solutions that truly fit your needs. We don’t just provide policies; we deliver peace of mind, so you can focus entirely on crafting exceptional experiences for your customers.
Our commitment to the industry is underscored by our active involvement with BALPPA, NAFAN, IAAPA and notably, our Managing Director holds a position on the BALPPA management committee.
Choosing Tower Hospitality and Leisure means more than just a provider; it means gaining a true partner committed to your success. We provide expert, industry-specific advice and craft bespoke policies as part of an insurance portfolio built for your business’s unique risks. This is all backed by seamless claims support, so you can operate with total confidence.
How Tower Hospitality and Leisure guides you through the entire insurance process
Risk Assessment and Identification: Uncovering Every Potential Exposure
Before we recommend any solution, we take the time to deeply understand your unique operation. Our comprehensive risk assessment goes beyond the obvious, delving into every corner of your attraction to pinpoint potential vulnerabilities.
Tailored On-Site Analysis:
We conduct thorough site visits, speaking with your team, observing operations, and reviewing your facilities. This includes examining everything from the structural integrity of rides and attractions to the maintenance protocols for public areas, food service operations, and emergency exits. We look at the flow of visitors, the age and condition of equipment, and any unique features that might present a specific risk.
Operational Hazard Pinpointing:
We identify hazards specific to your type of attraction. For an amusement park, this might include ride malfunction, queue line management, or fall hazards. For a pier, it could be marine weather damage, public access points, or fire risks. For a zoo or aquarium, animal escape, bite incidents, or water system failures are key considerations. We also factor in less obvious risks like cyber threats to ticketing systems or reputational damage from isolated incidents.
Regulatory Compliance Check
We assess your adherence to relevant health and safety regulations (e.g., HSE guidelines in the UK), local authority requirements, and industry-specific standards. Non-compliance can lead to significant fines, operational restrictions, and invalidate insurance claims. Our goal is to ensure your practices align with best standards, reducing legal and financial exposure.
Historical Claims Review
By analysing your past claims data, we can identify recurring issues or “hot spots” that may indicate underlying systemic risks. This data-driven approach allows us to target areas for improvement and ensure your insurance addresses your most probable claim scenarios effectively.
Risk Management Strategies: Proactive Solutions for a Safer Operation
Identifying risks is the first step; effectively managing them is the key to preventing incidents and reducing premiums. Tower Hospitality and Leisure have partnered with the UK’s leading independent assurancfe body specialising in safety and compliance across the fixed-location leisure sector. We work collaboratively with your team to develop practical, actionable strategies that mitigate identified risks.
Bespoke Prevention Protocols
We assist in developing and refining safety protocols and operational procedures. This could involve recommending enhanced maintenance schedules for rides, implementing stricter access controls, improving signage for hazards, or advising on crowd management techniques. For a pier, this might include flood prevention measures or enhanced fire suppression systems.
Staff Training and Awareness Programs
Human error is a significant factor in many incidents. We help you establish robust training programs that ensure your staff are fully aware of safety procedures, emergency responses, and their roles in risk mitigation. This includes regular refreshers and clear communication channels for reporting hazards.
Emergency Response Planning
We can help you craft comprehensive emergency plans for various scenarios, from minor medical incidents to major evacuations. This includes clear communication chains, designated assembly points, first aid provisions, and coordination with local emergency services, ensuring a swift and organised response when it matters most.
Leveraging Technology and Innovation
We explore how technology can enhance your safety. This might include recommending advanced CCTV systems, predictive maintenance software for critical equipment, or digital incident reporting tools that streamline data collection and analysis, providing insights for continuous improvement.
Insurance Program Design and Placement: Crafting Your Bespoke Protection
With a clear understanding of your risks and management strategies, we then design an insurance program specifically tailored to your attraction, negotiating with leading insurers to secure the best coverage and terms.
Tailored Coverage
This is our specialty! We figure out exactly what kind of insurance your attraction needs, ensuring you’re fully covered from every angle. Think public and product liability, employer’s liability, property damage (for everything from buildings to contents), business interruption, cyber liability, and even special coverage for anything truly unique to you (like rare art or specific boats). We craft a bespoke insurance program that perfectly fits your attraction’s specific risks.
Market-Leading Brokerage
Leveraging our extensive network and relationships with acess to specialist insurers and exclusive facilities in the hospitality and leisure sector, we access the most competitive rates and favourable terms available. We don’t just get quotes; we negotiate on your behalf, advocating for your specific needs and presenting your attraction in the best possible light to underwriters.
Clear Policy Explanation
Insurance policies can be complex. We simplify the terms, conditions, exclusions, and limits of your coverage so you’re completely clear on what you’re covered for. This way, there are no unwelcome surprises if a claim arises.
Claims Advocacy
In the unfortunate event of a claim, we act as your advocate, working directly with insurers and loss adjusters to ensure a fair and swift settlement. We understand the complexities of all claims including marine claims and can help navigate the process.