Gauntlet Brochure

www.gauntletinsurance.co.ukJames Hallam Limited, 5 Lloyds Avenue, London EC3N 3AE

Extraordinary cover.

Gauntlet Testimonials

“I’ve been a client for 20 years and would have no hesitation in recommending Gauntlet to other hoteliers.They have consistently delivered an exceptional level of service and their premiums have remainedcompetitive from year to year.”Steve Waldron, Financial Controller, Grange Hotels Ltd, London

“It is a pleasure to deal with people who are hotel specialists and understand my industry so well.Gauntlet’s range of products and services provide real value to my business.”Peter Holmes, Finance Director, The Capital Group, London

“The Gauntlet team are passionate about hotels and they have maintained an exceptional level of servicethroughout our long association.”Sarah-Jayne Reynolds, Financial Controller, Lucknam Park Hotel, Bath

“Gauntlet provides a unique approach to insurance & risk management by their knowledge & understandingof the hotel & leisure industry. They are the experts in this sector & support this with their claimsmanagement & competitive premiums.”Christina Broulidakis, Meridian Leisure Hotels

“Gauntlet’s standard of service is first class. Nothing is too much trouble. They are on call 24/7 providingvaluable insurance and risk management advice when I need it most.”Nigel Saunders, Financial Director, Moor Hall Group, Sutton Coldfield

“Gauntlet has provided a support structure that has far exeeded my expectations of the functions of aninsurance broker. They have even worked with us in building and implementing a successful businesscontinuity plan. They are the broker of choice for the hotel industry.”Andrew Stenbridge, Managing Director, Chewton Glen Hotel, New Milton

“We have worked closely with ‘Gauntlet Risk Management’ over the last 4 years and are pleased theirextensive knowledge of the hospitality business has allowed us to introduce effective and practicalsolutions that continue to improve our business.”Stuart McPherson, General Manager, Cowley Manor, Cowley

“The Gauntlet team have provided us with insurance & risk management advice for over 25 years.They understand not only our business but the hotel industry in general & this places them in aunique position within their sector. Their attention to detail & personal service aligns their philosophywith our own.”Graeme C Bateman, Managing Director, Elite Hotels

Grange Hotels

The Capital Group

Moor Hall Group

Meridian Leisure Hotels

Chewton Glen

Lucknam Park

Cowley Manor

Elite Hotels

Gauntlet-KeyRisks-Brochures-v12:Layout 1 9/7/10 08:35




“Our premium is 25% of that quoted by a previous broker and we have wider cover. This coupled with firstclass service makes Gauntlet a market leader for the leisure industry.”Stephen Winyard, Managing Director, Stobo Castle Health Spa, Peeblesshire, Scotland

“Having worked with Gauntlet Insurance for the last five years, we are delighted to recommend them fortheir first class service and ability to deliver premiums which provide competitive terms across a broadrange of risks. Our Account Director’s superb depth of knowledge and on-going personalised involvementprovides us with an unsurpassed level of confidence that we have the best deal for our business.”Angela Vickers, Managing Director, Apex Hotels, Edinburgh, Scotland

“For over 25 years we have enjoyed expert and dedicated insurance cover which is specific to our industry,combined with an exceptional level of customer service from a dedicated team. When you include this withvery competitive premiums we have an insurance package which cannot be beaten.”Russell Imrie, Managing Director, Queensferry Hotels, Edinburgh

“Whatever your needs are, Gauntlet are quick to respond and provide good practical solutions.”Mark Cunliffe-Lister, Proprietor, Swinton Park, Ripon, North Yorkshire

“Gauntlet combines an excellent insurance cover with an on-site risk management service and a personaltouch that we want. It adds so much value to my business.”Ian Topping, Managing Director, Barton Grange Hotel, Preston, Lancashire

Stobo Castle

Apex Hotels

Swinton Park

Queensferry Hotels

Barton Grange Hotel

“When you work as hard as we do to provide top quality service, it’s great to find an insurance brokerwho does the same. Gauntlet are professional, reliable and a pleasure to do business with. Many thanks.”Paul Bream, Managing Director, Merrion Hotel Ltd

The Merrion Hotel

“We chose Gauntlet because we needed a broker who understood the hotel business. David Noble andhis team are clearly passionate about hotels and after 25 years in the business, they know their stuff.Gauntlet is now our sole provider of insurance and risk management services having proved to be areliable and trustworthy business partner.”Simon Lester, Chairman, Lester Hotels Management Services, Potters Bar, Hertfordshire

Lester Hotels





“Gauntlets ability to understand our industry whilst still treating us as individuals is refreshing in today’s“one size fits all” philosophy adopted by so many of their competitors. I actually enjoy working with themand more importantly they solved a problem that our previous firm could not deal with.”Toby Ashworth – Managing Director, The Nare

“As we’re a business that is growing fast and constantly thinking of new projects, it’s great to work with alikeminded organisation that has the imagination and flexibility to understand our needs and reactpositively to whatever we throw at them.”Chris Hugo – Watergate Bay

“The Gauntlet team stand out from other providers because they are specialists within the hospitalitysector, and therefore understand the unique needs of our industry. They also treat us with the samecustomer care that we would wish for our guests.”Peter Raven - Group Operations Manager, TLH Leisure Resort

The Nare

Watergate Bay

TLH Leisure Resort

“Without exception…the support, guidance and customer service we have received whilst workingwith the team at Gauntlet has been second to none, as is the insurance cover, claims service and riskmanagement services, which gives us great confidence.”Tom Kirkham, Managing Director, Lea Marston Hotel, Sutton Coldfield, Warwickshire

“Having used Gauntlet for several years, we have been exceptionally pleased with their service.As dedicated hotel insurance of substance they give us peace of mind whilst retaining a personaltargeted approach; a combination we were previously unable to source.”Richard McIlroy, Managing Director, Mount Pleasant Hotel, Doncaster, South Yorkshire

“Gauntlet people are knowledgeable and helpful. Their handling of our insurance affairs and their claimsassistance is friendly, cost effective and very straightforward. I have no hesitation in recommending them.”John Pette, Proprietor, Fairlawns Hotel, Aldridge, North Birmingham

“Gauntlet has provided our insurance cover for several years now and is clearly passionateabout hotel protection.”Geoff Atkinson, Managing Director, Salutation (Ambleside) Hotel, Cumbria

Lea Marston Hotel

Mount Pleasant Hotel

Fairlawns Hotel

Salutation (Ambleside) Hotel


Strategic, Innovative and IntegratedGauntlet’s range of services integrates risk assessment, risk management and insurance purchase inone strategic programme equally appropriate for one establishment or a large portfolio of properties.

It is specifically designed to minimise and reduce risk and insurance costs.This means that:

• Risk identification, evaluation and treatment will always be approached from a financial not just aninsurable perspective

• A better loss record from risk improvement work will feed directly into reduced insurance costs

• Stronger relationships will be forged with risk service providers and Insurers committed to achievingagreed and measurable objectives with you

Insurers Lack Your KnowledgeInsurers lack the knowledge that you have of your business and often find it difficult to separate thegood risks from the poor ones. They will use industry statistics when setting rates and do not focus somuch on management capabilities within a business in controlling risk.

This is simply because most Insurers do not have the right level of information about your riskmanagement approach to make an individual decision about you.

Our knowledge of risk management in hotels will help you control risk in your business and paint abetter picture of this to Insurers. This will help achieve better premiums year on year and make you lessvulnerable to fluctuations in the attitude of Insurers to the hospitality sector.

What Happens Next?Gauntlet’s insurance and risk management programme will allow you to:

• Re-evaluate the exact scope of insurance coverage required• Purchase the most cost efficient cover• Understand the consequences of any exposure retained uninsured• Position your current risk management agenda and progress it with confidence



Gauntlet Approach




Gauntlet Difference

Why Are We Different?Gauntlet as a division of James Hallam Limited is one of the UK’s leading suppliers of insurance and riskmanagement solutions for the hospitality and leisure industry.

• We have worked with hoteliers since 1982 and are fully committed to making ourselves the perfect partnerfor your business today

• Our core services include risk assessment, insurance design, insurance placing, programme servicesand claims settlement

• Our well established team of highly experienced insurance professionals work together withGauntlet’s specialist risk management team to understand your business inside out, dealing as one,with your people and your insurers

• Our senior people remain involved in meeting all aspects of your needs as we always maintain clientcontact and account management responsibility at senior levels

• Significant premium discounts will be provided to you for good risk management practice

• You gain control of your overall risk financing costs, enabling you to establish clear objectives that willreduce the overall cost of risk for your hotel

• Systematic identification and evaluation of your key risks ensures that you will better protect physicalassets, reduce the frequency and severity of accidents, provide a safer environment for employees,guests and the public and minimise interruption of services

• Your Insurer will provide more pricing stability and longer-term commitment to you once your riskprofile and risk management approach is demonstrated

• Broad and cohesive insurance coverage is obtained based on our Gauntlet policy wording developedexclusively for the hospitality sector

• Competitive insurance rates are achieved year on year from our substantial purchasing powerthrough the placing of our existing hotel client portfolio

• Your claims are speedily resolved and settlements authorised by our experienced Claims Managerworking directly within your Gauntlet team

We are very happy to provide contact references of any of our existing clients so you will be able toindependently verify our experience and expertise


Our involvement in the hotel industry extends back over 25 years and we are fully committed tosupporting the sector.

AwardsWe actively support improvements to the hotel industry’s position in regard to riskmanagement and won the prestigious Risk Management Initiative of the Year Awardjudged by the Insurance Times for our work in this area.

ExcellenceWe have devised a grading system to understand and improve risk management standards in hotels.All of our hotels will receive a certificate showing their present status and will be given the tools toassist them obtaining our highest grading of Platinum.

Sponsorship

NewslettersWe provide regular newsletters giving updates on evolving health and safety, HR and insurancelegislation. We also review major industry issues and the impact that these could have on your business.

Industry Presence



Gauntlet Commitment

To demonstrate our commitment to the Hotel Industry,Gauntlet supports the Springboard Charity and Hospitality Action.

We support trade shows and exhibitions so we have a physical presence for you tomeet us at various events throughout the UK. Gauntlet Insurance are commercialpartners to Pride of Britain Hotels, a consortium for small, privately owned luxuryhotels in the UK. Approved by

Pride of Britain

DevelopmentWe place great importance on product development and use experience and knowledge to make ouroffering even better year on year.


Five Star Insurance Cover PlacedWe always negotiate and purchase insurance cover around individual risk requirements using ourspecially developed Gauntlet programme design process.

Understanding that every hotelier’s insurance requirements are different, we have designed Gauntlet tobe flexible, enabling cover to be tailored to your own unique circumstances.

A full Gauntlet programme may embrace any of the following cover types:

Flexible, Tailored InsuranceOur unique policy wording has been specifically tailored for the hospitality industry and includes manyextensions that are not usually covered by a standard commercial insurance policy.

Gauntlet will provide competitive premium levels year on year and will not be so sensitive to thefluctuations in the insurance cycle that often affect the hospitality sector.

• Material Damage for all physical assets

• Business Interruption

• Employers’ Liability

• Public and Products’ Liability

• Money

• Fidelity Guarantee

• Goods in Transit

• Motor Vehicles

• Legal Expenses

• Engineering Inspection and Loss or Damage

• Machinery/Plant Breakdown

• Computer Equipment, including breakdown

• Group Personal Accident for Employees

• Business Travel

• Director’s and Officers’ Indemnity

• Loss of Drinks Licence

• Contractors All Risks

• Tour Operators’ Cover

• Exhibition Operators’ Cover

• Fine Arts Cover

• Car Jockeying

• Personal Accident cover for guests



Gauntlet Insurance


Online HR SupportIt will help you by:

• Translating employment legislation in a pragmatic and straightforward way• Providing information, policies, procedures and documentation to create and manage your

HR “audit trail”• Presenting Industry relevant news and legislation updates by email throughout the year• Giving access to experienced Human Resource advice for specific enquiries – responding within

24 hours by email through our “Ask the Expert” service

Online Health & Safety SupportIt will help you by:

• Keeping up to date on Health & Safety issues• Achieving compliance with current and changing legislation• Demonstrating effective risk management to your insurer• Creating your Health & Safety Policy and Risk Assessments

An “Ask the Expert” feature provides direct access to a Consultant to directly address any specific HR or health and safety issue.

Members are kept fully up to date by regular email with all the latest news and legislation changes inthe complex worlds of health and safety and HR.



Gauntlet Online

Online Risk ManagementGauntlet customers will be able to benefit from our online facilityoffering risk management guidance tailored to the hospitalityindustry. The purpose of this facility is to allow your business to bekept abreast of current legislation and expectation, as well asproviding practical information on achieving compliance. The facilityfocuses upon health and safety issues, although we are also able tooffer guidance on HR matters and business continuity planning.




Gauntlet Claims

Priority Claims serviceAs a company we place great priority on our claims service. We take treating Customers fairly veryseriously and indeed want to make sure that when having a claim our clients receive everythingfrom insurers for which they are entitled whilst keeping the lifetime of a claim to a minimum toavoid disruption.

As part of our claims management service, you will be introduced to our claims manager as your policycomes into force so you get to know the person who will actually be handling the claim. Even moreimportantly they will get to know your business. So in the event of a loss they will be familiar with youroperations and be able to provide speedy authorisation of works to be carried out.

As soon as you contact us regarding a claim you will be given advice on the next steps to be takenwhere required, details of contractors or other experts that you may need to be brought in to helpresolve the problem quickly and efficiently.

We operate an out of hours phone service so we are always at the end of the phone shoulddisaster strike.

More Claims PaidAs our policies are bespoke written for the hospitality industry many claims we pay would not havebeen covered under a standard commercial insurance policy.

As we are passionate about the hospitality industry you are important to us. We look for ways ofpaying rather than avoiding claims.

Valuation ServiceAs an added feature, Gauntlet have partners who can provide a valuation service for your building sothat you can ensure the cover you have selected is sufficient to enable your building to be fullyreinstated should disaster strike.


BusinessHealthcheck

A comprehensive audit of the business will be undertaken to establish anyareas where our qualified risk team could make recommendations. This will enable you to meet:

• Legislative Requirements• Insurance Exposures – resulting in managed insurance costs• Implement a structured risk management process based upon the

recommendations produced within the report• Demonstrate your commitment to managing health, safety and fire risks

within your business

Consultancy Our consultancy services introduce practical risk management solutions to help meet legislative and insurance requirements, as well as improvingthe business. We would work with you to create detailed:

We will produce the documents for you and provide adequate training sothat you can then implement them. We will even chair safety meetings.

• Risk assessments• Guidance documents• Health and Safety policies

• Training packages• Fire risk assessments• Business continuity plans

Training A team of qualified tutors experienced within your industry will come toyour hotel and provide comprehensive instruction. Our courses include:

• Introduction to Health & Safety• Understanding Risk Assessment• COSHH Training

• Fire Risk Assessment• Manual Handling• Food and Hygiene



Gauntlet Risk Management

Gauntlet Risk ManagementRisk is not always a bad thing; however there are always two sides to RISK. On the upside all businessespursue risk as an opportunity for increased reward and competitive advantage. On the downsidebusinesses that fail to actively manage risk factors are susceptible to different forms of loss includingreputation, valuation, insurability and competitive position.

The real tangible benefits of implementing and maintaining good risk management are a safer businessenvironment and reduced insurance costs. We continue to work closely with industry experts, tradeassociations, insurance companies and Gauntlet clients to understand their concerns and to develop arange of practical services exclusively to meet the needs of the hospitality industry.



Are you aware that some of your biggest risk exposures maybe excluded?A hotel is generally insured against physical damage such as fire and storm, but claims that arise fromexternal events that do NOT impact your business physically are EXCLUDED?

To solve this problem Gauntlet Insurance have developed a range of new covers which can be purchasedseparately to fill the gaps.

Fear of TerrorismYour business could lose revenue due to a major terrorism incident deterring your customers from travelling.For example, many UK Hotels lost significant income following 9/11 due to the fact that its global customerbase was disinclined to travel.

If the connection is evident, under this policy, you can insure your losses due to guest’s anxiety following aterrorism event.

Fear of Disease/EpidemicWhen an issue such as Foot and Mouth occurs, even though the actual contamination area may be manymiles away, a hotel may experience a significant reduction in customer numbers. Diseases such as BSE orAvian flu may have a similar effect on your customer base.

If the connection is evident, under this policy, you can insure your loss of customers due to the public reactionto the disease.

Perils of NatureExtreme weather, though not directly affecting or damaging your premises, could still prevent or influenceyour trading. For example you may close your hotel due to the threat of a storm that ultimately fails to damageyour property.

Gauntlet now provides cover to safeguard your revenue against this contingency.

Loss of Revenue/Income due to StrikesHotels can often be reliant upon a very small number of suppliers or services as well as upon on yourcustomers having access to petrol and diesel to reach you.

In the strictest confidence (the directors alone as no supplier may be made aware), it is possible to insure yourbusiness against an extended and damaging strike at a specified supplier.

Gauntlet Plugging The Gaps





Gauntlet Team

The Team

EDINBURGHBRANCH OFFICEQueen’s Quay37/7 Ocean DriveEdinburghEH6 6JLT: 07789 765506

HARROGATEBRANCH OFFICE2 Hookstone ChaseHarrogateNorth YorkshireHG2 7HST: 01423 880121

WATFORDBRANCH OFFICEMeridien House69/71 Clarendon RoadWatfordWD17 1DST: 01923 298412

LONDONHEAD OFFICE5 Lloyds AvenueLondonEC3N 3AE

T: 020 7977 7888

Managing DirectorBranch Manager HarrogateHead of Development (Hospitality and Leisure)Gauntlet Account DirectorGauntlet Risk DirectorHead of Claims – Hospitality and LeisureGauntlet Senior Account ExecutiveGauntlet Senior Account ExecutiveGauntlet Development ExecutiveGauntlet Development ExecutiveGauntlet Account ExecutiveGauntlet Account HandlerGauntlet Account HandlerGauntlet Account HandlerDirector of Corporate Development ScotlandFounder

David NobleJohn FrazerGerry Lane

Marc BrennanNick Maddox

Tim ShadrachStuart Griffin

Nettie Sibree-LaitRobert Drysdale

Gareth WebbVictoria Becker

Yousouf NeetooSue Tofrik

Catherine HunterAlastair Roy

Anthony Brett

Email Address: [email protected]: www.gauntletinsurance.co.uk

Gauntlet is a trading name of James Hallam Limitedand is Authorised and Regulated by the Financial Services Authority


Gauntlet Brochure

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