Hotel Insurance Get a Quote

As an owner of a hotel, you take great care in creating a memorable visitor experience be that for a overnight guest, a holiday maker, a conference delegate, a diner or wedding guest. With all this time, love, and nurturing that goes into crafting that special occasion or respite from work, it’s important to protect your hard work from things like fire, theft, refrigerator malfunction, delivery accidents, or even litigation.

Chances are, you haven’t spent a lot of time thinking about Hotel Insurance for your business. But we have. We’ve grouped together in one package a list of the most common types of insurance to meet the unique needs of a Hotelier.

Our Hotel Insurance Package of insurance covers is designed to meet the needs of most owners and operators of Hotels. Typically these are adequate for up to 20 letting rooms, with larger Hotels being rated on an individual basis.

Because of the reduced risk of a liability claim these policies tend to have a more simple rating structure that is based around the property values at risk and so they are simple to rate and available at competitive prices.

Under this type of policy we tend to promote cover on an ‘Accidental Damage’ basis but some insurers still only offer ‘Standard Cover’ with any ‘Accidental Damage’ cover being an optional extra. When asking for a quotation it would be helpful to know which basis of claims settlement you would prefer.


Under a standard form of Hotel policy you would normally expect to see cover for:-

  • Contents including seasonal increase on stock
  • Business Interruption
  • Damage to Glass
  • Loss of Money in transit or in a locked safe overnight
  • Refrigerated Contents 
  • Public and Products Liability
  • Employers' Liability - £10,000,000 limit of indemnity
  • Goods in transit
  • 24 hour Legal Helpline
  • Index Linking
  • Guests Personal Effects 


With potential Optional extensions for:-

  • Accidental Damage on Contents
  • Buildings
  • Accidental Damage on Buildings
  • Subsidence
  • Full Theft Day 1 cover
  • Insured's Personal Contents and Money
  • All Risks on Portable Property
  • Loss of License 
  • Legal Expenses
  • Theft by Employees
  • Electrical or mechanical Breakdown of Equipment
  • Computer Breakdown
  • Terrorism
  • Guests Personal Effects
  • Property in the Open


Please scroll down to view the online quote for or to discuss you requirements in detail please contact us or call 08450616553 for the cost of a local call.



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