Hotel insurance

Q: Is business insurance necessary for my hotel?

Business insurance can provide protection and cover against legal liabilities and risks. Though hotels aren’t the only type of business that can use specialist business insurance policies; most businesses in the leisure industry can take advantage of this type of policy if they provide guest accommodation, including: Bed & Breakfasts, Guest Houses and Hotels. Contact us for more details.

Q: What could be included in a hotel insurance policy?

1. Most employers are required to have employers' liability insurance, which provides cover in the event of employee injury. For more information visit the government website.2. Public Liability cover: If you or your business injures someone or causes damage or destruction to their property, then Public Liability insurance can cover your costs from a claim. 3. Buildings & Contents cover: Buildings insurance covers the cost of repairing or rebuilding your business premises if its damaged or destroyed by an unexpected event such as fire or flooding. Contents insurance covers the cost of replacing your business’ contents and stock up to the insured amount if they are damaged or stolen. This can help your hotel, B&B or guesthouse to stay operational. 4. Business interruption cover: This provides cover for loss of gross profit during the indemnity period following an insured incident such as a storm, explosion or fire. 5. Product Liability cover: This can cover the cost of compensation and your legal costs and expenses where you receive a claim for personal injury or property damage caused by the products you have sold.

Q: What level of hotel cover do I need?

It’s hard to say without knowing the facts, but we know how important it is to understand your unique requirements. Get in touch with us to discuss your options.

Protect your hospitality business and compare prices from £4.74 a month*

Compare quotes from leading insurers, all in one place
Buy online in minutes, with same day protection
In partnership with Simply Business

*10% of customers paid the equivalent of £4.74 a month or less between
1st Jan - 31st May 2024 for up to £2 million of public liability insurance.

Compare prices from leading business insurance providers:

What is hotel insurance?

Running a hotel comes with unique risks, from safeguarding your property to ensuring the safety of your guests. Hotel insurance could provide the protection your business needs, covering everything from public liability to property damage. Get tailored hotel business insurance to suit the specific needs of your hotel or guest house, providing peace of mind so you can focus on offering the best service to your guests.

Hotel insurance is designed to cover the risks faced by hotels and other hospitality businesses. From protecting your property with buildings insurance to covering legal expenses and guest claims, this type of insurance could help shield your hotel from unexpected financial losses. With business insurance for hotels, you can protect your business from risks like accidental damage, guest injuries, or business interruptions due to an insured event.

hotel owner on the phone to clear business arranging his business insurance policy

We’ve partnered with Simply Business, one of the UK’s biggest business insurance brokers. They can help protect your business with tailored online quotes from leading providers, including Axa, Churchill and Hiscox.

How it works?

3 simple steps to protect your business with the right hospitality insurance for you.

Choose your
cover options

Only pay for the
cover you need

Compare from
multiple insurers

Instantly compare prices
from a range of insurers

Buy online
in minutes

Get your documents
on the same day

What can insurance for hotels include?

Hotel business insurance offers a range of protection to cover the key risks associated with running a hotel, including:

Public liability insurance

This protects you if your customers (or members of the public) suffer personal injury or property damage from your business.

Stock & contents insurance

Stock & Contents Insurance can be different for every business, but it helps protect your business equipment, stock, and other contents at your premises.

Employers' liability insurance

This is a legal requirement for many businesses. Policies are available at £10m and can cover claims for work-related injuries or illnesses.

Product liability insurance

Product liability insurance can cover the cost of compensation claims if someone is injured or their property is damaged by a product that you've sold.

Professional indemnity insurance

This can protect you for loss or damage to clients or third parties resulting from negligent services or poor advice.

Buildings insurance

This cover can protect your business against damage due to fire, flooding, storms or explosions, and can cover pipes, cables and drain replacements too.

hotel front of house welcoming guests behind the check in desk with a smile on her face

Why you may need hotel business insurance?

Running a hotel means managing multiple risks, from potential guest injuries to unexpected property damage. Without the right insurance for hotels, you could face substantial financial losses. Having hospitality insurance in place can protect your hotel from these risks, helping cover costs related to legal fees, compensation claims, and business disruptions. Whether you run a small guest house or a larger hotel, tailored insurance can help you navigate challenges while keeping your operations running smoothly.

Join nearly

1,000,000

Businesses

Simply Business have helped nearly 1 million businesses like yours get the right insurance cover.

Get protected today, start your quote, compare and buy online

hotel employee fluffes pillows inside one of the rooms whilst wearing her work uniform

Compare hotel insurance
from £4.74 a month^*

As a hotel owner, you can understand the importance of having the right insurance package to mitigate risks. We can help you get the cover you want with less hassle.

Compare quotes from leading insurers, all in one place
Prices from £4.74 a month^*
In partnership with Simply Business

*The price is for up to £2 million of public liability insurance – 10% of customers paid £4.74 or less annually between 1st Jan - 31st May 2024. Equivalent to £56.82 a year (and excludes the extra costs for paying monthly). If you complete a quote, more types of cover will be available and these all have additional costs.

Hotel insurance FAQ's

If you have a question about your hospitality insurance, you might find the answer here in our FAQs.

Is business insurance necessary for my hotel?

What could be included in a hotel insurance policy?

What level of hotel cover do I need?

For more information on protecting your business, check out our FAQ's Hub

Additional information on hotel business insurance

Business interruption for hotels

An unexpected event like a fire or flood could close your hotel, causing loss of income. Business interruption cover may protect your revenue during disruptions, helping with expenses like wages and utilities while repairs are made, helping your hotel to recover quickly.

Personal accident and effects cover

Hotel business insurance can cover personal injuries and damage to personal items. If a guest is injured or their belongings are damaged, personal accident and personal effects cover could help with compensation, protecting your business from financial strain.

Public and products liability for hotels

Hospitality insurance can include public and products liability cover. This can protect your hotel if a guest or visitor is harmed by your food, products, or services. It can cover legal expenses and compensation, safeguarding your business from costly claims related to guest injuries or product incidents.

How much does hotel insurance cost?

The cost of hotel insurance varies based on factors like hotel size, level of cover, and specific risks. Whether you need buildings insurance, contents insurance, or full hospitality business protection, you can find the right cover. A tailored quote ensures you get the coverage needed without overpaying for unnecessary features.

Compare prices from leading providers

Safeguard your hospitality business from financial risks including property and stock damage, business interruptions, public liability and much more.

Select your cover options
Compare from leading insurers
Buy online in minutes

What is hotel insurance?

Hotel insurance is designed to cover the risks faced by hotels and other hospitality businesses. From protecting your property with buildings insurance to covering legal expenses and guest claims, this type of insurance could help shield your hotel from unexpected financial losses. With tailored business insurance for hotels, you can protect your business from risks like accidental damage, guest injuries, or business interruptions due to an insured event.