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Don’t end up in financial hot water insurance expert warns

HOLIDAY HOME owners in Wales who provide hot tubs for guests risk significant claims if customers fall ill.

Furthermore, if hygiene and safety regulations have not been followed, insurance cover would be invalidated.

Water that goes unchecked can cause a range of conditions and illnesses – including legionnaires disease – and this can lead to potentially ruinous claims from affected guests.

Freddie Hamilton-Russell, of rural insurance broker Lycetts, said: “All too often, people tend to skip over the small print regarding the potential health hazards.

“If they ignore the regulations around taking water samples, and someone falls ill, their public liability insurance will be void and they could end up paying out thousands of pounds.”

He was highlighting his concern as owners look forward to an influx of summer guests.

“Hot tubs are a big attraction for potential holidaymakers, and owners know that by providing them, footfall is likely to increase.

“However, hot tubs have environmental conditions that could potentially lead to the growth and dispersal of legionella and other infectious agents.”

The Health and Safety Executive specify how hot tub water should be tested and monitored, along with the quality and frequency of water inspections.

Hamilton-Russell added: “For those who offer – or are considering – hot tubs to enhance the holiday rental experience, ensuring all hygiene and safety regulations are adhered to is a must.

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“They should also seek expert guidance from an insurance specialist.

“Local authority environmental health departments and the Health and Safety Executive have produced documents that detail the steps and checks that should be followed, and I strongly recommend owners read them.

“Everyone loves a hot tub, and being able to enjoy them safely means guests and operators can both relax.”

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