INSURANCE FOR BUSINESS | INDUSTRY SECTORS

Arts, Leisure and Hospitality

From theatres, galleries and museums to libraries and concert halls, or fine art collections this is a very diverse sector that poses a fairly unique set of issues from an insurance point of view, especially around how to establish a suitable sum insured. This is particularly the case for Heritage buildings that have archaeological, historical or architectural significance.

Ready to start your experience with us? Contact us

Why choose us?

Tailored Solution

A comprehensive programme, affordable and tailored to the needs of your business.

Resource Portfolio

Industry specific resources offering relevant business guidance on matters like Health and Safety and Compliance.

Specialist Underwriters

Working with specialist insurers with intimate knowledge of your market

Insurance Tailored To Your Specialist Needs

Whether you are responsible for the insurance of a Heritage building or for an Art collection, you will need to be insured with a specialist insurer who has experience of the unique risks and methods of ensuring that the risks are insured for the correct sums insured and on the right basis.

We have been working in this sector for over 45 years and have developed relationships with insurers who have a specialist knowledge of this sector. 

Insurance Tailored To Your Specialist Needs

Whether you are responsible for the insurance of a Heritage building or for an Art collection, you will need to be insured with a specialist insurer who has experience of the unique risks and methods of ensuring that the risks are insured for the correct sums insured and on the right basis.

We have been working in this sector for over 45 years and have developed relationships with insurers who have a specialist knowledge of this sector. 

Insurance Solutions Available

Property Damage • ‘All Risks’ cover for

  • Buildings
  • Contents, personal possessions; including the possessions of employees and guests
  • Stock

Art and Antiques including exhibits which can be insured on the basis of up to date valuations

Business Interruption

‘All Risks’ cover should be considered with possible extensions for

  • loss of attraction
  • ticketing suppliers
  • archaeological digs
  • external exhibition

Loss of Licence

Covers your loss of revenue or the depreciation of your financial interest in the premises following the withdrawal of the certificate or licence including Wedding licences or Premises licences.

Public/ Products Liability Insurance  If someone is accidentally injured on your premises, or if their property is accidentally damaged due to your business’ activities or because of the products you supplied, your business could be responsible by law. Public liability insurance can protect your business against claims to cover damages and legal costs that people may make against your business.

Employers’ liability is a legal requirement under the Employers’ Liability Act 1969. It’s there to protect your employees if they get injured or become ill as a result of working for your business. It covers the damages, compensation costs and legal fees that a current or ex-employee is entitled to as a result of illness or injury which may have been caused while working for your business.

Hirers Liability provides protection to third party hirers who may hire out your premises for events

Professional Indemnity is a form of liability insurance that covers your legal liabilities in the event of a third party taking legal action against you, claiming to have suffered a loss as a result of advice that you have given in a professional capacity.

Directors and Officers Liability covers the cost of compensation claims against the Directors and Key Managers (officers) of the business for alleged wrongful acts.

Trustees and Management Liability covers trustees from having to personally pay legal claims that are made against them (by their charity or by a third party), for a breach of trust, or a breach of duty or negligence committed by them in their capacity as trustees

Fidelity Guarantee

Fidelity cover protecting you against theft by your employees or volunteers

Reputational Risks

Cover for damage to the organisation’s reputation including

  • costs to manage a public relations crisis after an event insured
  • libel and slander

Legal Expenses to cover legal costs and expenses including solicitors’ and barristers’ fees, court costs, expenses for expert witnesses, employment compensation awards for a wide range of legal issues.

Money

The cover needs to be flexible with the ability to increase limits before and after a fund-raising event for example. It should also look to cover losses due to the dishonesty of directors, trustees and employees.

Terrorism

Cover for property damage or business interruption as the result of a terrorist act.

Goods In Transit Cover

Cover for accidental damage to your goods whilst in transit by

  • road, rail or sea
  • by parcel or post
  • anywhere in UK and Republic of Ireland

Cyber Liability and Crime

This cover is there to protect your organisation against Cyber Crime. if you rely on technology to operate effectively you run the risk of a data breach or a virus. Criminals will look to exploit any organisation with weak cyber security. Cyber insurance cover is available for the ever increasing risks of cyber exposures, ranging from hacking or viruses, cyber crime/fraud through to social engineering and software ransom.

To discuss any aspect of your insurance requirements with us, please contact us and one of our dedicated Account Executives will be in touch to assist you further.

“As a radio station with a limited budget, having a knowledgeable, trustworthy company to discuss our challenging insurance needs is essential. R K Henshall’s knowledge and unbiased advice was superb, providing a bespoke package covering what we really needed, for far less than expected.”

Chris Cadman, MD, The Cat Community Radio.
More here

Get Started with your cover

All you need to do is get in touch and we will get back to you shortly

Latest News

Our Location

The Grove, Mill Lane,
Wheelock, Sandbach,
Cheshire, CW11 4RD.
Telephone: +44 (0)1270 758070
Fax: +44 (0)1270 758059

R.K. Henshall © 2021

R K Henshall & Co Ltd are Independent Intermediaries and are authorised and regulated by the Financial Conduct Authority. Directors: J.R. Henshall B.A.(Hons) ACII Cert CII (FS), A.J.Simpson ACII, T.R.Dredge DIP CII, A.Brown FCCA. Director/Company Secretary R.K. Henshall ACII. Registered No. 1285024

R K Henshall are very proud to support Lupus UK. Lupus UK is a charity very close to our hearts. Unfortunately, Nita Davies who had been a stalwart of our company from it’s very beginning lost her battle against this terrible illness in 2013. Lupus UK is the only National Charity which supports people with the immune system illness. (Registered charity nos. 1051610, SC039682) Click here to read more about Lupus UK.