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Business Insurance For Hotels & Guesthouses

The simple fact is, no two hotels are the same. The number of rooms, the turnover, members of staff, the food served, the type of building, any events the hotel hosts, and any other services they offer all affect the level of risk and therefore the level of cover.

Hotel insurance is specifically designed to accommodate for these risks. If you have a holiday home or second home you let out as short term rental, you will most likely need a policy specific to your own requirements. We all know that accidents happen, Lets get peace of mind that your are covered correctly and competitively going forward.

Design & Build Your Policy

When talking about hotel contents insurance there are two aspects to consider: hotel contents insurance and guest contents insurance. With hotels, there is often little or no stock. Things are ordered in as and when they are needed.For a hotel, the equivalent is furniture and its room contents. Essential items like kettles, televisions and furniture can quickly add up when multiplied by the number of rooms. It is vital to calculate these costs accurately. Inaccurate estimates will stop you being able to claim for these things to be replaced should you need them to be.

It is also important to have ‘guest’s personal effects cover’, or ‘guest’s contents insurance’. Hotels can be targets for major crimes and to ensure you and your guests are secure, it is strongly advised to invest in the aforementioned policy.Some policies offer set amounts you could claim per guest, and some have over-all claim limits which are usually suitable for small to medium sized businesses. Your adviser can talk you through the options during a quote or discuss with you if you think you may need a higher level of cover.

Our Experience & Relationships

We cover over 1,000 trade types, including most types of hotel & guesthouses: from national spa boutiques chain to a small family run B&B. Just use the trade selector on our quote form to type in or select your trade. We have over 50 years collective experience and relationships with underwriting specialists which have the capacity and understanding of the industry to write and place any hospitality risk.

 

Optional Cover

    • Personal contents –If you or any of your staff live at the hotel you can take out personal contents cover. This essentially combines your business insurance with a cover similar to domestic contents for those who reside there.
    • Legal cover –This option allows you to claim for financial support when taking legal action against another party. Legal cover is not a legal requirement and so is not always found as standard. Make sure you let your adviser know early on during a quote that you may be interested in this cover, that way they will be able to narrow their search for suitable policies.
    • Loss of license –Not all hotels serve alcohol so this optional cover will not always be included automatically in an insurance policy. Loss of license insurance will cover you for the loss of income and lowering of the overall value of your business that might subsequently happen should you lose your license to sell alcohol on your premises.
    • Gyms, swimming pools, spas and treatments –These are the most common activities/services a hotel might offer. More exotic treatments may cause problems or extortionate premium rises with some providers. A specialist insurer such as Towergate understands the insurance market and knows where to go for the right policy for your specific business needs. Simply speak to an adviser and discuss through with them what you offer and let them do the hard work.

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What Type Of Hotel or Guest House Are you?

We provide tailored insurance for most types of hospitality,such as:

  • Guest Houses
  • Hotels
  • Boutique Spas
  • B&B & Others

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Why Moneycornershop.com?

  • Join a huge network of happy customers
  • Cover can be arranged in a day
  • Claims handled by an award-winning individual insurer teams
  • We can help you reduce your Business utility costs
  • Experienced tradesman insurance brokers
  • We can help you raise finance for your business