Insurance for
Hospitality sector

  • We can evaluate your current covers and policy limits
  • Recommend covers to adequately protect your business
  • Compare quotes from multiple insurance companies
  • Advice on cost-saving strategies
  • Provide ongoing support


  • Hotels: This includes both large chain hotels and boutique hotels.
  • Bed and Breakfasts (B&Bs)
  • Guesthouses: Similar to B&Bs.
  • Hostels
  • Resorts
  • Holiday Parks
  • Airbnb
  • Guest Accommodation

insurance options for hospitality sector:

Property Insurance

This cover protects hospitality building and its contents from damage or loss caused by perils such as fire, theft, vandalism, or natural disasters. It typically includes cover for the building structure, furnishings, equipment, and inventory.

Public / Product Liability Insurance

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

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.

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.

Directors and Officers Liability Insurance

This insurance protects directors, and officers from legal claims alleging wrongful acts, errors, or omissions in their management decisions or actions. It covers defence costs, settlements, or judgments arising from these claims.

Cyber Liability Insurance

If the business is handling sensitive data, including personal information of customers. Cyber liability insurance safeguards against data breaches, cyberattacks, or other cybersecurity incidents. It helps cover costs associated with data recovery, legal fees, notification to affected parties, and potential liability claims.

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.

Your insurance needs may vary depending on your specific trade, business structure, and location.
Contact us to assess your needs and we will find suitable cover options for your business.

Contact us