HOME
ABOUT
PRODUCTS
CLAIMS
CONTACT

HOME
ABOUT
PRODUCTS
CLAIMS
CONTACT

Hotel & Guest House Insurance solutions

Designed for:

Hotels
Bed and Breakfasts
Guest houses
Hostels
Resorts
Holiday Parks
Airbnb

Request a quote now

Key Covers include:

We know every property and business is different – that’s why our policies are flexible and fully customisable.

Buildings & Contents Insurance

This cover protects buildings and its contents from damage or loss caused by perils such as fire, theft, vandalism, or natural disasters. It typically includes cover for premises, furniture, décor, and equipment.

Public & Product Liability Insurance

This insurance protects your business from legal claims or lawsuits filed by guests or third parties for injuries, accidents, or property damage that occur on your premises. Public Liability Insurance, covers bodily injury and property damage claims, and Product Liability Insurance, covers claims related to products or services offered by your business.

Employer’s liability insurance

This type of insurance is required in most jurisdictions if you have employees. It provides benefits to employees who are injured or become ill while performing their job duties. It covers medical expenses, lost wages, and rehabilitation costs.

Business Interruption Insurance

If your hotel experiences a covered loss, such as a fire or natural disaster, and is temporarily unable to operate, business interruption insurance helps cover lost income and ongoing expenses during the downtime. It ensures that you can continue paying bills, salaries, and other financial obligations while your hotel is being restored.

Guest Effects

Cover for personal belongings your guests bring during their stay – adding extra peace of mind for them and for you.

Event Insurance

Hosting events such as weddings, fundraisers, workshops, concerts, or sports activities. Event insurance provides cover for potential liabilities, accidents, property damage, or event cancellations. It may also include cover for event organisers and volunteers.

Loss of licence Insurance

If your hospitality place includes a bar or offers alcohol service, this is essential. It protects against claims resulting from accidents or injuries caused by intoxicated guests. This cover can help cover legal costs and potential settlements or judgments.

Commercial vehicle insurance

If your hotel owns vehicles for transportation services or other business purposes, commercial vehicle insurance is necessary to protect against accidents, property damage, or injuries caused by the vehicles.

Legal Expenses

Assistance with legal costs related to disputes, employment tribunals, or health and safety investigations.

Let’s Secure Your Business Today!

Fill out the form below, and one of our expert insurance brokers will be in touch for a quick consultation and a tailored quote designed just for your business.

No hassle, no obligation — just the right insurance quote for your business needs!

Submit your details now to get the advice & protection your business deserves!

Please enable JavaScript in your browser to complete this form.

Contact name

Phone

Would you like to provide a different address for correspondence?

Correspondence address

Insurance renewal date or start date

Current insurer

Business Name

Trading name

Status of entity

Trade description

Date business established

Company registration number

How many Directors and/or Partners the Proposer has in total?

1) Full name / Date of Birth / Position within the company

2) Full name / Date of Birth / Position within the company

3) Full name / Date of Birth / Position within the company

4) Full name / Date of Birth / Position within the company

Select if any of the following that apply to any proposer, director or partner:

had a proposal refused or declined
had an insurance cancelled
has a renewal refused
had special terms imposed
had been declared bankrupt or insolvent or been the subject of these proceedings
had any conviction or criminal offences which are not spent under Rehabilitation of Offenders Act or has any prosecutions pending
None

Does the business have any subsidiary companies?

Please provide details of your subsidiary companies:

Do you have any employees?

Employer PAYE No:

Total number of employees:

Are all employees paid below PAYE threshold?

(inc. LOSC, trainees, apprentices)

Wageroll (£)

Business Annual Turnover (Next 12 months) (£)

Does the business serve any food & drink?

Turnover percentage split

Derived from Serving Hot Food:

Derived from Sale of Take-away Food:

Derived from Deep Fat Frying:

Do you use a frying range?

Do you use basket fryers?

What is the oil capacity? (In litres)

Are all kitchen cooking fume extraction canopies and the entire length of ductwork cleaned at least once a year, to the TR/19 cleaning standard, by an independent professional contractor who specialises in the cleaning of such equipment & Certificate/Confirmation is issued by the contractor together with an invoice to be retained by the business?

Type of cusine served

Latest Hygiene Rating score

Rate 1 out of 5Rate 2 out of 5Rate 3 out of 5Rate 4 out of 5Rate 5 out of 5

Does business undertake regular visual inspections PAT (at least every 6 months) of the electrical machinery and/or portable appliances to ensure that they are safe and in good working order?

Premises name and the address:

(Name of the building, Building Number, Street Name, Town & Post Code)

The property type:

Converted manor
Purpose built
Other

Is the building listed?

Year the property was built (YYYY)

Provide details, please

Is this building owned by this business?

What name is recorded on the land registry title deeds?

Date of purchase

Is staff in attendance at the premises 24 hours a day?

Business Hours:

Do any of your employees live on the premises?

Does the business have any additional facilities such as: Sauna, Turkish bath, Swimming pool, Sun beds, cinema, gym, entertainment facility ? Please specify

Please select if any following options are applicable to the premises:

The business is not self contained with its own means of access
The premises is in area with history of flooding
The property is of a non-standard construction
The property or adjacent property has suffered from, or shows any visible signs of damage from subsidence, landslip or ground heave
The premises is closed for more than 3 consecutive months
There is an ATM on the premises
Not applicable

What materials are the property walls made of?

Please provide percentage split, if the walls are made of more than one material

What materials is the property roof made of?

Please provide percentage split, if the roof is made of more than one material

Is there an area of flat roofing?

If yes, please state the approximate percentage of the roof being flat?

Number of storeys where floor is of concrete construction

Number of stories where floor is of wooden construction:

Heating and fuel type

Residency type:

Short term
Long term
Short and long term

Number of bedrooms:

Number of apartments:

Is there any dining area?

Maximum number of seats in dining area

Business Licence type

Liquor (On-premises)
Entertainment
Gambling
None

Is there or do you expect any opposition to/incident that may prejudice the granting, renewal, or transfer of the licence?

Is there or do you expect any application for the granting, renewal or transfer of the licence refused?

Is the intention to transfer the licence within the next twelve months?

Does the business provide any activities on the premises?

Activity types:

Number of times held per month?

Is a fee charged for this activity? Please specify.

Please indicate which Risk Management Features are currently active for this property:

Intruder Alarm
Wired Fire Alarm
Sprinklers
Electrical installation inspected regularly
Security Patrols
Private CCTV with 30 days recording
Trade waste stored in metal containers / removed weekly
Maintenance programs in force
Other
None

Please specify:

Reinstatement sum of the building including Fixtures and Fittings

Please provide the estimate based on the most recent survey - Rebuilt Cost Assessment.

Name on the the Land Registry Deeds and the date of purchase

Reinstatement sum of the Tenant improvement

Reinstatement sum of Business Fixtures and Fittings?

Reinstatement sum of Computers & Electronic Equipment

Reinstatement sum of Business Stock

(Exclude Wine and Spirit & Frozen Stock)

Reinstatement sum of Wine & Spirits

Number of fridge freezer on the premises

Reinstatement sum of Frozen Stock

Maximum reinstatement sum of stock in each fridge and/or freezer

Do you require to cover Money in Safe or Strongroom in the Premises?

Please provide: Safe Make / Model / Description of how it is secured

Sum required to be insured on premises during business hours

Amount of annual cash carrying by you

Sum required to be insured on premises outside business hours

Amount of annual cash carrying by security company

Required length of indemnity period for Business Interruption cover

12 months
24 months
36 months
Not required

The period that begins after an insured event occurs and ends when the business is back to normal or when the policy's maximum period expires.

Estimated Gross Profit for the next 12 months

Required Limit of indemnity for Public Liability

Required Limit of indemnity for Product Liability

Required Limit of indemnity for Employers' Liability

Have you made any insurance claim within the last 5 years?

Please provide: The date of the claim, Cause of the Claim, The Claim Amount & the Outcome:

Any addition information

GDPR Agreement *

I consent to having this form submitted so Prestige Insurance Brokers (UK) Ltd can respond to my inquiry.

We would like to assure you that we take data protection seriously and your privacy is important to us. We will process your data in accordance with GDPR.

HOME
PRIVACY
COMPLAINTS
TOBA
CONTACT

HOME
PRIVACY
COMPLAINTS
TOBA
CONTACT

© 2025 Prestige Insurance Brokers (UK) Limited - Appointed Representative of TEn Insurance Services Ltd, trading as Eleven, which is authorised and regulated by the Financial Conduct Authority (FRN 314593)