Hotel Insurance

Managing a hotel involves far more than providing a comfortable stay. From staff welfare and guest safety to high-value property and constant footfall, hotels face a wide range of risks every day. That’s why tailored hotel insurance is essential to protect your operations, reputation, and revenue.

We provide bespoke hotel insurance policies for a variety of establishments, including luxury hotels, boutique B&Bs, guest houses, inns, resorts, and serviced apartments. Our cover is tailored to meet the specific needs of your business and ensure you're protected from unexpected disruptions.
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How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

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Why Choose Us for Your Hotel Insurance?

Decades of experience in the hospitality insurance sector
Access to 20+ leading UK insurers
Flexible policies tailored to independent and chain hotels
Dedicated account managers and fast claims support
Fast, hassle-free quoting process
Competitive premiums and responsive claims assistance
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What Is Hotel Insurance?

Hotel insurance is a form of business insurance tailored specifically for hospitality businesses offering accommodation. It can protect hotel owners and operators against financial loss caused by property damage, guest or staff injuries, legal claims, theft, business interruption, and more.

Why Is Hotel Insurance Important?

Operating in the hospitality sector exposes hotels to a multitude of risks, including guest accidents, fire, flooding, staff claims, cyberattacks on booking systems, and reputational damage. Without the right protection, any one of these events could lead to major financial consequences.

A comprehensive hotel insurance policy can give you the reassurance that your business is covered against unforeseen events, ensuring continuity of service and peace of mind.

Common Risks Faced by Hotels

Hotels operate 24/7 and are exposed to numerous operational, legal, and environmental risks, including:

  • Guest slips, falls, or scalds
  • Staff accidents in kitchens or housekeeping
  • Fire damage from cooking equipment or faulty wiring
  • Burst pipes and water leaks damaging guest rooms
  • Cyberattacks targeting booking systems or customer data
  • Theft of valuables or unauthorised access
  • Food poisoning or allergic reactions from onsite dining
  • Reputational damage from unhandled incidents

A tailored hotel insurance policy protects against these and other operational challenges.

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What Does Hotel Insurance Typically Cover?

Hotel insurance packages are flexible and can be tailored to suit your individual risk profile. Common core cover includes:

1. Public Liability Insurance

Protects your business against claims from guests or visitors who suffer injury or property damage while on your premises.

2. Employers’ Liability Insurance

Often a legal requirement if you employ staff. Covers compensation costs and legal fees if an employee becomes injured or ill due to their work.

3. Buildings Insurance

Covers damage to the physical structure of your hotel caused by events such as fire, storm, flood, vandalism, or accidental damage.

4. Contents and Equipment Cover

Protects your furnishings, electrical equipment, linens, décor, and technology against loss, damage, or theft.

5. Business Interruption Insurance

Provides financial compensation if your hotel is forced to close temporarily due to an insured incident, such as a fire or burst pipe.

6. Guest Effects Cover

Protects you if a guest’s personal belongings are lost, stolen, or damaged while staying on your premises.

7. Product Liability Insurance

Covers claims made if a guest suffers illness or injury from food, drink, or toiletries provided during their stay.

FAQs

Hotels should have a tailored insurance package that typically includes:

  • Public Liability Insurance
  • Employers’ Liability Insurance (legally required if you have staff)
  • Buildings and Contents Insurance
  • Business Interruption Insurance
  • Guest Effects Cover
  • Legal Expenses and Cyber Liability Insurance

We can tailor a policy to suit the needs of your hotel, protecting your business from property damage, legal claims, staff injuries, and guest-related risks.

Yes, we offer Public Liability Insurance as part of our hotel insurance policies. This cover protects you if a guest is injured on your premises. This includes legal fees and compensation if a guest makes a claim due to your business’s negligence. It’s one of the most important covers for hospitality businesses with regular footfall.

If you have a gym, spa, pool, or sauna, these can be included with additional liability cover. Be sure to disclose all facilities during the quote process.

Yes. If you manage multiple locations or a portfolio of guest houses or hotels, we can arrange a group hotel insurance policy to streamline your protection.

Yes, small boutique hotels need similar core insurance, though the cover limits and complexity may differ. Public liability, employers’ liability, and property insurance are still essential. However, a boutique hotel may benefit from a more customised policy based on its unique size, services, and customer base.

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Helpful Articles & Updates

Specialist hotel insurance advice, guest liability tips, and practical business resources in one place.