What is it all about ?

This package has been designed to cater for heritage hotels and the like who, because of their historic places category or similar, find insurance options limited. This scheme also incorporates boutique hotels and lodges.

Vision Insurance realised that insurance companies identified these properties as high risk due to their age, their construction and / or occupation. We felt that this was unfair and that the risks identified with these properties was over stated. But in saying that, each individual building contains an inherent and often unique series of values which deserves a higher degree of care and consideration than their more modern counterparts.

This package is underwritten by a leading insurance company and offers extended coverage and extensions not normally available on the New Zealand market. By taking this opportunity to gain market leverage by joining a specialist insurance scheme you can enjoy much wider benefits and savings.

How our Package Differs

The Heritage and Boutique Hotels and Lodges Package has been designed to address the specific insurance needs that you, as an owner such a property, may face. Our aim was to provide an economical and comprehensive package that covers these specific needs.

If you operate a heritage or boutique hotel or lodge and have a minimum Qualmark rating of 4 stars or equivalent you can access this scheme.

So, what does it cover?

Briefly:
• Buildings for reinstatement cover
• Personal contents for replacement
• Business contents for replacement
• Business interruption
• “Broadform” Liability
• Innkeepers Liability
• Statutory Liability
• Employers Liability
• Bodily injury to guests
• Punitive and exemplary damages cover
• Motor vehicles
• Watercraft
• Electric motors and starters up to 8 h.p. (6.0kw) covered for fusion.
• Standard money limit increased up to $10,000
• Refrigerated stock automatically covered up to $5000 any one event
• Ride on Mowers automatically covered as plant
• Bridges, wharves, docks and piers can be included in the cover
• Theft covered up to the full sum insured
• Gradual damage cover included
• Landscaping allowance included
• Lower excesses

And more…!

Concerns

We are aware that due to the occupation, age of your property or categorisation with the Historic Places Trust you face high insurance rates. Also we are aware that you have specific needs associated with your property which are not properly appreciated.

As further examples the cover also extends to include:
• Disruption due to archaeological digs
• Reinstatement as opposed to replacement wherever possible
• 20% allowance over registered replacement valuation
• Plus more…

“Remember your business is to run a successful business, ours is to provide knowledge and protection so that if disaster should strike you have the correct cover a broker who understands what you are talking about, and someone who you can rely on to place your interests first.”  -  Vision Insurance