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Dedicated specialist post sales service team

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A guide to business insurance for hotel owners

Running a busy hotel or guesthouse can be difficult, especially with so many important things to manage. One aspect which should never be overlooked is finding the best hotel insurance policy. We are here to explain the key facts behind insurance for hotels and to help you find the cheapest deal.

What is hotel insurance?

Hotels exist in many forms, from small beachside guesthouses and B&B’s through to large luxurious hotels. Whatever hotel type you operate, arranging adequate insurance is essential. Business insurance is designed to cover the various risks which your business may face. There are many risks which you may need to protect your business from, such as a flooded bathroom or staff injury.

There are a variety of cover options available, from hotel liability insurance to legal expenses cover. Some business owners choose single policies while others combine insurance types into a single comprehensive package. Whichever option you choose, the most important types of insurance to arrange are:

Hotel public liability insurance

If an incident occurs at your business premises involving a member of the public, they could make a claim against your business. If they suffer and accident or become ill, you could be found liable. This form of insurance will provide the cover you need in an event of a claim.

Employers liability insurance

If you have staff, this insurance will cover them against illnesses or accidents while working for your business. If your business employs one or more people, legally you will need to have this form of insurance.

Hotel building and contents cover

The building and its contents are the most important aspects of your business, so you should ensure they are protected. Buildings insurance will protect the structure of the building, while contents insurance protects your furnishings.

There are also many other forms of insurance available which can be combined to provide the exact cover you require. For example, legal cover, business interruption cover and personal contents cover. No two hotels need the same type of insurance, so you should always check the terms and conditions. For example, some policies will offer cover for seasonal trade increases, glass replacement and leisure facilities.

With so many options it can seem difficult to decide which insurance is the right option for your business. Every hotel is different, so it can be hard to find the exact cover you require, is you don’t know where to start. However, our team are here to help you find the best hotel insurance for your business.

How do I find the best insurance quote?

Insurance cost varies significantly, with a variety of unique factors determining the amount you will need to pay. There are many factors which will have an impact on the final premium amount, such as the hotels size and location.

As insurance brokers we can help you find the most competitive hotel insurance companies. We can help you compare policy features and hotel insurance prices, so that you find the best deal available. Our insurance experts will help you protect your business while saving money, thanks to their skills and partnerships within the industry.

To compare business insurance simply enter your details into our online form, we will then arrange hotel business insurance quotes. You will be able to compare hotel and guesthouse insurance policies in one single place, rather than contacting multiple insurers. Once you find the best hotel package insurance policy, we will help guide you through obtaining your policy.

As specialists in helping businesses compare their financial products, we are ideally positioned to help your insurance comparison. To find out more about insurance for hotel industry, please contact our team today.

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