Hotel Insurance

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 for their company, 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.

Popular Business Products

Gift Shop Insurance

Protect your retail business from theft, liability claims, and property damage with comprehensive gift shop insurance tailored to your needs.

Care Home Insurance

Unexpected incidents in care facilities can be costly, which is why care home insurance helps safeguard your staff, residents, and property.

Barber Insurance

Running a barbershop comes with risks like customer claims and equipment damage, making barber insurance essential for protecting your business.

Bakery Insurance

If a fire, theft, or business interruption occurs, bakery insurance ensures that your bakery remains financially secure.

Book Shop Insurance

A strong policy like book shop insurance can cover property damage, stock loss, and customer liability to keep your bookstore running smoothly.

Furniture Shop Insurance

With risks like theft and property damage, furniture shop insurance provides financial protection for your stock and premises.

Butchers Insurance

Keeping stock fresh and equipment running is crucial, so butchers insurance helps protect against spoilage, theft, and liability risks.

Fleet Insurance

Managing multiple vehicles is easier when covered by fleet insurance, which protects against damage, accidents, and third-party claims.

Business Insurance

Financial losses from property damage or legal claims can be minimized with the right business insurance policy.

Takeaway Insurance

A tailored policy like takeaway insurance ensures your business is covered for fires, liability claims, and equipment breakdowns.

Shop Insurance

For retail businesses, shop insurance provides vital coverage for theft, stock loss, and customer-related claims.

Office Insurance

Office spaces can be vulnerable to property damage and liability claims, which is why office insurance is essential for business protection.

Professional Indemnity Insurance

Safeguard your business from claims arising out of professional advice or services with comprehensive professional indemnity insurance that covers legal expenses and compensation costs.

Hotel Insurance

From property damage to guest liability, hotel insurance helps protect your business from costly setbacks.

Commercial Property Insurance

Business premises require coverage like commercial property insurance to safeguard against unexpected damages and financial losses.

Restaurant Insurance

Restaurant owners face risks like kitchen fires and customer claims, making restaurant insurance a crucial safeguard for their business.