Expert Insight Q&

We talk to Victoria Romero- Trigo, Finance Director at NDML – award-winning, specialist insurance broker to the leisure and hospitality industry. We find out why having all bases covered when it comes to your insurance is paramount. As well as providing expert cover, NDML is fighting hard to get the sector the help it deserves in these challenging and unprecedented times.


passionate about the sector, and want to do everything we can to support it. That means providing comprehensive insurance protection, as well as fighting alongside key industry associations and night-time leaders.


are likely to arise at a venue, and what measures could be put in place to prevent them? You can’t predict the unpredictable, but you can give it a good go! Our job is to make sure our customers have a back-up plan if something unexpected happens.

A 10 November 2020

Insurance of the specialist nature is not a case of ‘one size fits all’ is

it? With such a vast amount of things to consider from terror threats to food and drink stock, where do you even begin?

It’s all about assessing and managing risk. What issues

Straight into it then! Why NDML if a venue is

looking for insurance cover?

We consider ourselves to be part of the night-time industry. We’re

The team takes great interest in getting to know our customers. From site visits and regular reviews, we make sure we know our customers’ risk thoroughly so we can help advise on the cover they need.


is getting hit time and again by new measures, without enough scientific evidence to back why these restrictions are being put in place. The future of many nightlife venues is teetering on the edge and we’re doing everything we can to help. One thing we’ve really got behind is the FCA Business Interruption


You guys along with the NTIA (Night Time Industries

Association) are challenging the government and other insurers on the way hospitality and nightlife is being treated. How is that going and is enough help on offer?

There simply isn’t enough help out there. The night-time industry

test case, holding insurers accountable for denying valid claims. For a lot of our customers the positive ruling has offered a glimmer of hope and a bit of financial security. There’s still a long way to go.


hospitality businesses haven’t heard a bit of good news in months, so it was our way of saying: “We see you. We know how hard you work. You’re not forgotten.” We received over 120 entries from members of the public celebrating their favourite bar, restaurant and nightclub. It really demonstrates how loved these venues are, and how valuable they are to society.


You recently ran the inaugural Yorkshire Nightlife Awards with

the winners announced in the middle of October. How was that received in God’s own country?

It was a wonderful way to provide a bit of lightheartedness. Many


Victoria Romero-Trigo, Finance Director at NDML

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