Hotel Insurance

Hotel Insurance protects a hotel from a number of potential issues. This can be anything from guests having an accident in the hotel to a bathroom being flooded or a fire in the kitchen. Insurance cover is also there to protect against staff injuring themselves whilst at work.

Type of Insurance Cover

There are various types of hotel insurance.

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Buildings Insurance

Buildings insurance will provide protection against your hotel in the event of burst pipes, flooding or fire.

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Contents Insurance

Contents insurance will protect anything that can be moved from a property. This includes furniture, lamps and decorations.

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Public and Employee liability insurance

Public liability insurance protects against compensation claims to pay those whose property is lost or damaged, or who suffers an injury during a hotel stay.
Employee liability insurance will protect against staff you need to compensate in the event of an illness or injury as a result of working at the hotel.

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Frequently Asked Questions

    This depends whether you are renting or own the hotel building. If you are renting please check with the property owner as to what is covered.

    The contents cover you require will be dependant on the size of the hotel and the number of rooms. Guest contents cover will need to be considered to protect against possessions that are damaged or stolen on hotel property.

    Public and private liability will be determined by the number of guests and staff.

    Please give us a call and we will help find the correct policy for you.

    • The people – your staff and guests numbers.
    • The hotel building and contents
    • Level of income – for business interruption purposes.

    It is cheaper to pay for insurance annually. If paying monthly, we use an external company, Premium Credit, which pay the insurance and then charge you over a 10 month period adding on approximately 9% interest.

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