Running a hotel or guest house means creating a welcoming environment for guests – but it also comes with its own set of risks. From property damage and public liability to employee cover and guest-related incidents. We understand the unique risks facing hotels and guest houses – from boutique B&Bs to large multi-room properties. You can trust us to protect everything you’ve worked hard to build.
Key Covers can include
We know every property and business is different – that’s why our policies are flexible and fully customisable.
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.
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.
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.
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.
Cover for personal belongings your guests bring during their stay – adding extra peace of mind for them and for you.
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.
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.
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.
Assistance with legal costs related to disputes, employment tribunals, or health and safety investigations.