The proprietor of an inn.

An innkeeper has a legal duty to provide food and accommodation to anyone who appears able to pay and is in a fit state to be received, provided facilities are available. The innkeeper’s liability for property belonging to a guest (someone who has booked sleeping accommodation) is strict but provided the notice in the Schedule to the Hotel Proprietors Act 1956 is displayed the strict liability is limited to £50 any one article and £100 any one guest. The limits do not apply if the innkeeper has been guilty of negligence or other fault or the property was deposited for safe keeping. There is no liability if the guest caused the loss. Other customers are mere travellers and liability for their effects is governed by ordinary legal rules.

Acceptance of insurance or reinsurance business at very favourable but inadequate rates without a proper study or understanding of the risks involved. New and inexperienced insurers have been accused of providing innocent capacity and the naive acceptance of whole portfolios of business.

Unintentional supply of misleading information relating to a material fact in breach of the duty of utmost good faith. Where the insurer exercises the right of avoidance ab initio, the risk does not attach and the full premium must be returned. Under industry code of practice, insurers agree not to avoid policies issued to private individuals where the innocent misrepresentation is in the nature of a technicality.