Time passed and the fashion for wealthy families to own large houses, with servants to keep them cleaned and maintained, faded into history. By the late 1960s it had been knocked into three apartments, the fate of many large houses at the time and often the beginnings of a decline. It became a somewhat shabby bed and breakfast establishment but happily in 1996 it was bought by a lady called Susan Keeling, who carried out extensive renovations and extensions over the following 20 years, transforming it into a boutique hotel.

Her work was successful; by 2015 it was voted the world's "Best Luxury Guest House" by a a global organisation called 'World Luxury Hotal Awards" . However no-one works for ever and by 2019 she decided to retire and the house went up for sale. By then the coach house had been transformed into a dentist's studio, and the house itself had 15 guest bedrooms, each one individually designed, a large dining room, a conservatory, terraces, and even a croquet lawn, as well as owners' accommodation.

It was sold to a newly formed company called "The Three Bears Ventures Limited" (The investment group that bought it included a company called Goldilocks Ventures Limited!) but they got it just at the wrong time to run a hotel business; Covid had struck and their total income, until they formally closed it as a hotel, was exactly zero. Nevertheless property prices have risen since then; and in March of 2020 a Change of Use application to convert the house back into a single family home was approved. By May an application for building a two storey house in the grounds was submitted and at the time of writing this it was still under consideration.

Food Delivery Insurance

Since the Covid epidemic many food outlets, including both top restaurants and fast food providers, have been moving to provide home deliveries. This was prompted by lockdown regulations that gave food providers a choice of making deliveries or closing completely. A lot of restaurants have had to close: many fast food shops already provided home deliveries although many of their delivery drivers lacked proper insurance for food deliveries.

This caused many of them to get penalty points on their driving licences which caused additional insurance costs; insurance for drivers with convictions is not cheap!

Many UK restaurants are struggling to stay afloat financially; the food delivery revolution may force many out of business. Smaller Indian and Chinese restaurants, pizza providers, burger bars and other fast food outlets may well see business increase; whether or not that business is profitable, bearing in mind the extra costs of making home deliveries, is a different matter.

Hotel Insurance

Hotels, like every business, have to have at least Employers Liability insurance to provide adequate compensation to any employees who are hurt or injured on company business. However hotels also run many other risks because they deal directly with the public and if any guest, or indeed any other non-employee, had a accident in the hotel or grounds it could lead to a massive claim. The answer is public liability insurance, which is available from any major insurance company.

Hotels also provide food, and insurance against claims by customers are frequent in the restaurant trade. A number of insurers provide specialist policies that are particularly designed for restaurants, and hotels that serve food.