Insurance FOR HOTELS & GUESTHOUSES

SPECIALIST HOTEL & GUESTHOUSE INSURANCE

Hoteliers will want to provide their guests with a comfortable, affordable, and personalised service and we look to do the same with the hotel and guesthouse insurance we provide.

As well as constant flow of guests in and out of your hotel, you may cater for weddings, corporate functions, and live music events, exposing you to a variety of risks that your insurance will need to protect you from.

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EXAMPLES OF SOME OF THE COVERS YOU’LL NEED

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Public liability insurance covers the cost of claims made by members of the public for incidents that occur at your hotel. It covers the cost of compensation for personal injuries and loss of, or damage to property.

Our policies will usually give £2million or £5millon worth of public liability cover depending on your Hotel’s specific needs.

Employers’ liability insurance covers the cost of compensating employees who are injured at or become ill through working for your business.

If you have employee’s, this cover is a legal requirement.

Business interruption insurance covers you for loss of income during periods when you cannot carry out business as usual due to an unexpected adverse event. It aims to put your business back in the same position as you were prior to the event.

Examples of incidents may be fire, flooding or storm and we will usually provide cover for a period of either 12, 24, or 36 months depending on your businesses’ requirements and the type of property you are trading from.

Buildings insurance covers any damage to the building itself, including the main structure, outbuildings, and underground pipes. You may not be responsible for insuring the building if you are a tenant, however if you own the building you will need to confirm the rebuild cost in the event of a total loss. If you are unsure of this, we have a service to provide you with this information.

Contents insurance covers the cost of loss or damage to your fixtures and fittings and business equipment, such as chairs, tables, computers, and televisions.

Stock insurance covers the cost of loss or damage to your beer, food, soft drinks and wines and spirits.

TYPICAL EXAMPLES OF CLAIMS THAT COULD ARISE

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Escape of water claims can be common for hotels and may be a result of a burst pipe or from a guest leaving a tap on and causing water damage to floors below.

Although you may have done everything in your power to provide a clean and comfortable environment for your guests, mistakes can happen and a common claim against hotels is personal injury from bedbugs. Our policies will extend to cover you should a guest make this claim, so you can sleep well too.

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