Features of Hotel and Guest House Insurance

Hotel and Guest House Insurance is a type of insurance policy that provides financial protection for hotels, motels, bed and breakfasts, and other hospitality establishments. Here are some of the key features of Hotel and Guest House Insurance:

  1. Property coverage: The policy provides coverage for damage to the hotel building and its contents, including fixtures, fittings, and stock.
  2. Business interruption coverage: The policy provides coverage for lost income and other expenses arising from business interruption, such as if the hotel is closed for repairs after a fire or flood.
  3. Theft coverage: The policy provides coverage for theft of stock and other items from the hotel.
  4. Public liability coverage: The policy provides coverage for liability claims made against the business by third parties, such as guests who are injured on the hotel premises.
  5. Employers liability coverage: The policy provides coverage for liability claims made against the business by employees, such as in the event of a workplace injury.
  6. Guest property coverage: The policy provides coverage for damage to or theft of guests' property while it is on the hotel premises.
  7. Policy limits: Hotel and Guest House Insurance typically has policy limits that determine the maximum amount the insurer will pay in the event of a claim.

It's important to carefully review the coverage options and policy limits of Hotel and Guest House Insurance to ensure that the policy meets the needs of your business. An insurance professional can help you assess your risks and determine the appropriate coverage for your business. Hotel and Guest House Insurance is an important consideration for hospitality establishments, as it can help protect against financial losses arising from a range of risks.

Standard cover

Public liability as standard for hotels and guesthouses

All our hotel and guesthouse insurance policies include public and products liability cover. You can rest easy knowing that your business is protected if guests accidentally suffer an injury, food poisoning or property damage as a result of your negligence.

Bespoke policies to suit your premises

When it comes to the hospitality industry, we know that every business is unique, so we work hard to ensure that our hotel and guesthouse insurance policy is designed specifically for your business.

Accidental damage cover for hotels and guesthouses

With accidental damage cover included in our hotel and guesthouse insurance, you can enjoy meeting your guests and making their stay as comfortable as possible without having to worry about anything being ruined by over-excited visitors.

Legal expenses insurance

Our hotel and guesthouse package insurance can include legal expenses. This can cover you to defend employment disputes plus you will have access to an emergency legal help line.