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Simply Business compares leading hotel insurance providers, including...
Your building will be insured for any damages - including landlords fixtures and fittings
This will cover you against any loss of income due to a loss of drinks license
Your furniture outside, your deck chairs and umbrellas will need covering, which is included in all risks cover
Hotels can be busy and theft and damage may occur to your guests belongings and you will be held responsible
Answer some quick questions about your business.
Your answers determine the level of cover you require and the different options you can select.
Review your options and choose the right deal for your business requirements
Being a hotel owner, you are likely to have lots of people coming and going from your premises. With this comes the potential for someone to be hurt; be it a visitor or employee. Hotel insurance generally includes different types of cover into one policy:
Your building is your main asset - without this, a hotel will have nowhere to locate its residents. So, making sure that your building is insured will cover you for the costs of damage or rebuilding your property, should the worst happen. You may also want to include loss of earnings, which will cover you while your hotel is closed due to substantial repair works.
Employer’s Liability Insurance
The hotel industry can often be a labour intensive one, requiring cleaners, kitchen staff, bar workers and receptionists. Any business that has employees - be that full time, part time or seasonal - has to have insurance to cover them against accidents or injury whilst at work on your premises.
Public Liability Insurance
With guests constantly coming and going, it would be wise to make sure that you are covered should anything happen whilst they are staying with you. There are potentially many hazards in your hotel which could lead to an expensive claim. Use our comparison solution to make sure you have the right cover for your business.