Hotels and Guesthouses

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What Is Hotels & Guesthouses Insurance, And Do I Need It?

Our Hotels and Guesthouses Insurance packages provide a competitive product for licensed or unlicensed premises including, chains, B&B’s, inns, and taverns.  It doesn’t matter if you need insurance for your local guesthouse or a hotel chain, we are here to back you up when looking for competitive insurance.

In conjunction with a panel of UK insurers, we can search to gain you a competitive quotation saving you money.  Your policy can be tailored to meet your business’s specific needs and includes as standard:

Employers Liability

Employers Liability cover is a legal requirement for any Employer of staff within the UK.  We know that Hotels and Guesthouses have a range of staff from supervisors and managers to cleaners and pot washers. We also understand that business is likely to have to take on temporary staff to cover seasonal highs such as Christmas, New Year and other major events. Our Hotels and Guesthouses insurance gives you the option to add permanent employees both full and part time and can cover temporary and seasonal staff.  Our insurance package will give you up to £10 million employers liability cover as standard.

Public Liability

With the number of claims increasing, it is essential that you protect yourself against claims of accident and injury from customers and other third parties such as contractors, suppliers and entertainment providers. We offer £2 million public liability insurance as standard but have the ability to increase this to £5 million should you require it. If you are unsure of the level of cover you need on your pub insurance or restaurant insurance policy then please speak to one of our advisors.

Loss of income (Business Interruption cover)

Should the worst happen and your licensed premises suffer a claim that stops you from trading, as well as covering the reinstatement of the premises, our policy will provide cover for loss of income while the business gets back on its feet and returns to normal.

Other standard covers include:

  • Contents & Stock
  • Equipment Breakdown
  • Guest personal effects
  • Legal expenses
  • Loss of Licence

Please give us a call, or request a call back, and we can discuss your requirements, and as always:

If we can’t give you the best price, we will always give the best advice. Guesthouses

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