Hotel Insurance
Hotel Insurance
Hotel Insurance is specialist business insurance designed to protect hotels, guest accommodation and hospitality businesses against risks including fire, flood, theft, guest injuries, employee accidents, business interruption and liability claims. Whether you own an independent hotel, boutique hotel, country house hotel or a multi-site hotel group, tailored Hotel Insurance helps protect your property, guests, staff and business.
With guests coming and going, you must be prepared for the unexpected, as an owner you are responsible for the safety and well-being of everyone within your hotel premises. You could be held liable if a guest sustains an injury or a member of your staff has a work-related accident.
What does Hotel Insurance Cover?
Hotel insurance is specific insurance cover designed to meet the unique needs of the hotelier sector. It protects against various risks associated with operating a hotel, ensuring that your property and business are safeguarded.
Various covers are available, unique to your individual business, including general liability, property insurance, and business interruption coverage. Each plays a vital role in protecting your assets from potential losses.
General liability will provide protection against claims related to third-party injuries or damages occurring on your premises. Property insurance safeguards physical assets like buildings, furniture, and equipment from events such as fire or theft.
Business interruption coverage can be invaluable during unforeseen disruptions. It helps replace lost income while you recover from incidents affecting normal operations
We are able to cover all types of risks from modern hotel facilities to Grade Listed properties. Furthermore, we are able to cover risks for hotels with or without spa and leisure facilities.
The Hotel Proprietors Act 1956 ensures that guest content cover is a legal requirement for hotel proprietors in the UK, this protects guest belongings during the duration of their stay.
Do I need Hotel Insurance?
It’s advisable to speak with one of our hospitality risk management brokers as every hotel facility is different. Some will have few guest rooms and others have a large amount of guest rooms. The layout of your hotel, food and any other services you may offer will all affect the level of risk, and therefore the level of insurance required. A bespoke hotel insurance package would be designed to accommodate all of these risks.
What is Included in Hotel Insurance?
As discussed above, typical covers would include, (but not limited to);
- Buildings Cover
- Fixtures and fitting/Content Cover
- Accidental Damage
- Employers Liability (A legal Requirement)
- Public Liability
- Money on premises
- Business Interruption
- Guest Content Cover
Additional covers include (but not limited to);
- Cyber Insurance
- Legal Expenses
- Loss of Licence
- Terrorism Cover
Why Choose Konsileo for my Hotel Insurance?
Konsileo have a specialist hospitality team with years of experience protecting hotels, bed and breakfast businesses, public houses, wine bars, restaurants and cafes. As independent commercial insurance brokers, we have access to “A” Rated insurers ensuring you get the covers you need and a competitive price.
You will always speak with a specialist advisor to ensure you, your staff and your hotel business are best protected.
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Hotel Insurance - Frequently asked questions
Hotel Insurance is specialist business insurance designed to protect hotels against risks such as fire, theft, guest injuries, liability claims, business interruption and property damage.
Hotel Insurance is suitable for independent hotels, boutique hotels, hotel groups, country house hotels, spa hotels, coastal hotels, business hotels and hotels offering food, drink or leisure facilities.
Hotels face unique risks including guest injuries, food safety claims, property damage, theft, fire, employee accidents and business interruption. Specialist Hotel Insurance is designed to protect against these hospitality-specific risks.
Yes. Many Hotel Insurance policies include Guest Effects Cover, helping protect guests' belongings during their stay, subject to the policy terms and the requirements of the Hotel Proprietors Act 1956.
Common risks include guest injuries, slips and trips, food poisoning, fires, flooding, theft, escape of water, equipment breakdown, cyber attacks, employee accidents, loss of bookings, damage to guest property and business interruption.
Yes. Many insurers can tailor Hotel Insurance to include restaurants, licensed bars, gyms, swimming pools, conference facilities and spa or wellness areas as part of a single policy.