Hotel and Guest House Insurance

If you remember Fawlty Towers you’ll know that anything can happen when running a hotel or guest house. Thankfully not all hotels are as crazy as Basil Fawlty’s but a comprehensive hotel insurance policy is still a wise idea.

What is hotel insurance?

Hotel Insurance is a specific type of insurance that protects hotel, bed and breakfast and guest house owners from loss or damage to their property and claims brought against it by their visitors or third parties.

Hotel Insurance: examples of use

YesQuote hotel and guest house insurance provides cover for the following:

  • Buildings & Contents Cover. This insurance protects your hotel or guest house in the event of fires, floods, storm damage and accidental damage. It will also cover your hotel business for such things as loss of or damage to machinery, stock and money.
  • Public Liability Insurance. Hopefully you won’t poison your hotel guests with the breakfast kippers but just in case this insurance will protect your hotel or guest house from claims arising from injury to members of the public whilst on your property.
  • Employer’s Liability Insurance. In the event that a member of staff incurs an injury from an accident in your hotel (a stuffed moose falling on their head for example), employer’s liability insurance protects your hotel against any possible legal claims of negligence.
  • Business Interruption. In cases where a loss of profits is incurred following fire or flood or any other peril covered by the hotel insurance policy. This can include failure of utilities such as severe power cuts, gas leaks, or electrical failure.

In addition to the standard cover provided by our hotel and guest house insurance policy there are a number of optional extensions, cover for damage caused by vermin (should your waiter’s pet rat escape), for example, you can get the full hotel insurance policy details here.

When it comes to renewing your hotel insurance our experienced team are waiting to help. We can tailor a unique quote designed to meet the specific needs of your hotel or guesthouse. To get started give our team a call today on 0330 024 0755.

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