Hotel Insurance

Does your business need to buy Hotel Insurance?

We can provide all covers required by a hotel business.  No matter whether you run a small B&B or a sprawling country hotel, insurance is essential in helping you to meet legal requirements and protect your business. Choosing the right hotel insurance can be complicated and there will be a range of considerations to make. Working with an experienced insurance Broker like Real Insurance offers choice, experienced advice and pain free customer service.

Typically, Hotel Insurance will protect your buildings and contents, claims from guests and staff, and business interruption. Common reasons for hotels to have to cease trading are fire, flood damage or theft. Hotel insurance means that should the worst happen, any lost earnings could be covered where appropriate Business Interruption cover is purchased.

What is included on a Hotel Insurance policy?

A hotel insurance policy can be tailored to your specific requirements. As a starting point, you’ll almost certainly need buildings insurance.

Employers Liability for hotel owners

As an employer you must have Employers’ Liability Insurance – it’s a legal requirement in the UK if you have people working for you, regardless of how few hours they work. It will provide cover should your employees be injured while carrying out their duties.

Public liability for hoteliers

Public Liability insurance is vital for any business with public or guest premises and is usually included. This will insure you against guests falling ill, injuring themselves or having property – for example their personal effects – damaged while at your hotel.

Typically, Hotel Insurance policies will include contents cover – such as IT equipment and furniture. You may also need stock cover for food, wines, spirits and tobacco.

There may be a value in taking out loss of license insurance, which protects you in the event that you lose your drinks license, and trade suffers as a result.

You can choose Hotel Insurance that covers you for lost accounts, theft of money, damaged signage and engineering breakdown for lifts. Many include business interruption cover too. If you own your building, you may also need Buildings Insurance. It’s best to think carefully about what you need before you apply for a quote. Hotel Insurance policies vary, so look at the policy details before you buy.