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Tuesday 1st December 2020
at 11am
Partner For Business
Partner for Business
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THE UNINSURABLE RISK: WHAT YOU NEED TO KNOW
- Join our expert partners – Jo Millar, Legal Director at Gilson Gray LLP and Derek Nicol, Accounts Executive at Bruce Stevenson Insurance Brokers – to learn more about what is meant by uninsurable risk; why there is a need to review your booking terms and conditions and ensure you have the right insurance policy in place for your properties going forwards. The session will chaired by Fiona Campbell, Chief Executive, ASSC. Followed by a question and answer session.
- Fiona Campbell, Chief Executive of ASSC will give a potted background in terms of Business Interruption Insurance and the Uninsurable Risk: why the business interruption element of insurance policies, in the vast majority of cases, excludes the spread of viruses and other communicable diseases.
- Derek will talk about “Insurance: A “must have” despite the current issues and market turmoil” – Whilst the outcome of the FCA ruling remains outstanding we must not lose sight that obtaining the correct insurance cover is instrumental in protecting your business and property assets. I will provide an update on the current state of play with regards to the FCA appeals and what the likely timescales will be. A hardening insurance market may also restrict the markets offering within the hospitality sector and insurers may not offer renewal in some cases. A discussion regarding the types of claims which are impacting the sector and a recommendation to members to asses their current covers to see if they are still fit for purpose.
- Derek has worked as an Insurance Broker for over 30 years and for the last 15 years specialising in Private Clients and the Hospitality Sector. He heads up the Bruce Stevenson Stay Safe Self-Catering and Bed & Breakfast scheme which doubled it’s client base in the previous 12 months. Recognised in the sector as someone who understands the market and how best to protect clients interests. As well as being a Partner for Business, Bruce Stevenson are key supporters of the Hospitality Industry Trust, Patrons of the STA and proud sponsors of the Best Self-Catering category at Visit Scotland’s Thistle Awards. Derek and his team are committed to providing ASSC members and our clients with the very best service all times.
- Jo will discuss “The Uninsurable Risk” – This year has seen significant changes for everyone. Some of these have been brought about by the current pandemic, however, others were considerations prior to that. One such change is the proposed licensing regime for short term lets affecting those offering self-catering accommodation across the board. The current pandemic has brought to light issues with business insurance and terms and conditions. There is a dispute about loss of business cover which was the subject of court action and a recent appeal. It is clear business loss takes many forms, and while court action is very relevant, a bigger immediate issue for the self-catering industry is the fact insurers will no longer cover cancellationsIt often takes something to interrupt our daily life and force us to stop and consider. This is an opportunity to review working practices, such as refund of deposits and the terms and conditions which are used by providers in the self-catering industry on a day to day basis. I will consider key clauses which should be in place and recommend other aspects of terms and conditions which operators’ should consider including.
- Joanna Millar is a Legal Director with Gilson Gray LLP. Joanna is qualified over 25 years and during that time has specialised in Licensing and Corporate law. Prior to joining Gilson Gray in November 2019, Joanna ran her own firm. Her team moved as a whole to Gilson Gray but this background allows her to understand first-hand the challenges which face owner operated and small/medium sized businesses. Joanna has been involved in licensing at ground level throughout her career and has now been involved through the ASSC and her membership of the Law Society of Scotland in discussions about the proposed licensing regime for short lets affecting all self-catering accommodation providers. Joanna is well placed to advise clients on all aspects of their business from the licensing process, business structure, supplier contracts and terms and conditions. Gilson Gray as a firm provides support through all aspects of life and business from buying a first home or flat, upsizing and downsizing property, second homes, business premises, pre and post nup agreements, will, powers of attorney and executory matters. We can also offer assistance from Gilson Gray Financial Management who take away the confusion often surrounding areas such as pensions, life insurance, mortgages and all aspects of investments and protections such as medical cover and similar.
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Tuesday 8th December 2020 AGM @ 11am
followed by the
Autumn Talk @ 11.15am
(the AGM and Talk will be via ZOOM)
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ASSC ANNUAL GENERAL MEETING
FOLLOWED “QUESTION TIME – YOUR OPPORTUNITY TO ASK QUESTIONS WITH INDUSTRY LEADERS” – for members only …..
Your Member’s Invitation to the ASSC AGM
ASSC Members are invited to join the Board of Directors at the 2020 ASSC AGM, we hope that you can make it and look forward to seeing you there.
AGM Documents can be found in the ASSC Member’s Area Here
- Member Registration for the AGM Here
QUESTION TIME – YOUR OPPORTUNITY TO ASK QUESTIONS WITH INDUSTRY LEADERS – we will be joined by the Titans of Tartan Tourism – Marc Crothall, CEO, The Scottish Tourism Alliance and Riddell Graham, Director of Industry and Destination Development, VisitScotland together with Caroline Millar, Owner – The Hideaway Experience, CAS Millar Consulting and Scottish Agritourism, (Go Rural). This is a great opportunity to get the latest insights on tourism in Scotland as we look towards planning an opportunities in 2021.
Please submit any questions you may have in advance to joyce.borthwick@crescentevents.co.uk
To register for this session – for members only – click here – Member Registration for the AGM Here |
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Tuesday 12th January 2021
at 11am
Partner for Business
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RE-IMAGINING: TAKING ADVANTAGE OF & ADAPTING FOR FUTURE TOURISM
Family Travel Trends: Get Ready for Peak Summer Bookings
- Karen Mullins, Expedia EMEA Marketing Insight Director: As travel restrictions lift, more families are shopping for vacation rentals. Hear what our data shows about how their needs have changed and get actionable insights to attract more families to your listings. This session will present essential strategies for vacation rental owners and property managers to attract today’s travellers based on research and marketplace data insights.
- We Only Have One Chance to Re-shape Our Sector…The Time is NOW!
Willie Cameron, Director of Highlands & Islands Tourism Awards & Founding Director of the Cobbs Group – will outline his views and suggestions for making the most of the current situation. He says its an opportunity for us to re-imagine the landscape; consider where our market is and what they will want from Scottish tourism post-Covid-19. We need to “look out to look in” and consider the myriad of options available. What do we give our future tourists? How do we prepare our local areas? What do we need to do differently to encourage and ensure our visitors get what they want? We only have one chance to re-shape our sector… the time is NOW!
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- Willie Cameron was the founding Director of The Cobbs Group of companies who have hotels / coffee shops and retail all in high amenity tourist areas and today, Willie is their Business Development Director. Willie is also the owner of Loch Ness Marketing a media service company and is a sought after contributor on television and radio on tourism/food and drink of Scotland. He is on the board of the Highlands and Islands Tourism Awards and sits on the National Council of Rural Advisers for The Scottish Government.
Book now ….. to follow…
(please note you will require to book separately onto each of the Autumn Talks)
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A message from Sir Boyd Tunnock OBE
“Thomas Tunnock Ltd is delighted to be associated with and support the ASSC. We view this sector as hugely important to our economy and believe it has fantastic growth potential, even more so now that more and more people are choosing to holiday at home.”
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