Hotel Insurance

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Running a hotel gives rise to many risks, and it is, therefore, essential that hotel owners arrange the right cover to protect their property, staff, and guests should the unexpected happen.

To assist hoteliers in finding a suitable insurance policy, we work with a panel of insurance providers who specialise in hotel insurance. After completing a one-page quote form, up to 5 insurance providers will contact you to discuss your requirements and provide quotes for you to compare.

Visit the link above to get started, or read on for further information on hotel insurance policies.

What Is Hotel Insurance?

Hotel Insurance is an insurance policy tailored to suit the requirements of a particular hotel business. Cover may include, but is not limited to, commercial premises insurance, public liability, employers liability, stock & equipment.

Why Do You Need Hotel Insurance?

Running a hotel poses all kinds of risks. You need to make sure you have cover in case of certain events, e.g. fire, flood, property damage, theft and other unfortunate circumstances, including injury to staff or customers.

Some elements of a hotel insurance policy are a legal requirement, such as employer’s liability insurance (if you have staff), whereas other covers are not. However, even if certain risks are not legally required to be insured against, running a hotel without insurance is considered by many not to be a risk worth taking.

What Does Hotel Insurance Cover?

Every hotel is unique, so you will need to tailor a policy to your circumstances. However, some typical areas of cover that you could expect your policy to include are:

Buildings Insurance

Your hotel is a valuable asset, so it needs to be well-protected. Buildings insurance provides cover against the costs of repairing damage to your building.

Contents Insurance

It makes sense to have these things covered in your insurance when you’ve got a constant stream of guests using your furniture and facilities. Contents insurance will include decorations, furniture, lamps etc., while buildings insurance will cover carpets and walls.

Possessions Cover

Protection in case of theft or damage to a guest’s belongings. Since you may be liable for the loss of property (even when it wasn’t directly your fault), possessions cover ensures you’re covered for the cost of replacing or repairing the item in question.

Employer’s Liability Insurance

This is a legal requirement if you plan on hiring any staff; businesses that fail to have adequate employer’s liability cover in place face fines of up to £2,500 per day. Since you’re trying to run a hotel or a guesthouse, it’s fair to assume you wouldn’t be able to do this without an extra pair of hands. Employer’s liability insurance protects your business in the event of a member of staff having an accident or suffering an injury in/as a result of your business.

Public Liability Insurance

Protection in case a guest or a visitor has an accident while on your premises, designed to cover the cost of compensation and legal fees.

Business Interruption Insurance

Suppose your establishment has become uninhabitable due to damage, vandalism, fire, or any other circumstance covered in your buildings insurance. In that case, business interruption insurance should protect you against the cost of rent, wages and loss of earnings.

What Information Do You Need To Provide To Receive A Quote?

To get a quote, you will be required to provide a few details, including:

  • Business name and address
  • Claims history
  • Contact details
  • Types of cover you require

Compare Cheap Hotel Insurance Quotes

The cost of your hotel insurance will depend on several factors, such as the location of your establishment, the number of rooms, your annual turnover and how many members of staff you employ. Our comparison service makes it easier to compare prices by putting you in contact with multiple providers through one short form, saving you the time it takes to shop around and contact numerous insurance providers individually. Click the Get Quotes button to get started.

Hotel Insurance FAQs

Most questions are best directed to an insurance provider, which can be done by submitting the quote form and discussing any questions you may have over a phone call. However, below we have listed some common questions.

Do I need hotel insurance for my AirBnB?

Please visit our AirBnB insurance page to find out more about this product.

How much will my insurance cost?

Insurance policies are specific to your requirements and business, so the best way to find out the cost of your policy is to arrange a no-obligation quote by submitting the quote form.

Can I insure my guesthouse?

Yes. On the quote form you will see an option for guesthouses.

Author Image - Michael Foote

Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.