Comprehensive Hotel Insurance Coverage

We provide insurance for all types of hotels including boutique hotels, budget hotels, luxury hotels, business hotels, resort hotels, bed & breakfasts, guest houses, and hotel chains. Coverage is tailored to each property type and operational model.

Hotel insurance costs vary based on factors including property size, location, guest capacity, services offered, claims history, and coverage levels required. We provide competitive quotes from specialist hospitality insurers to ensure best value.

Business interruption covers lost revenue, ongoing expenses, additional accommodation costs for displaced guests, loss of advance bookings, alternative premises costs, and professional fees during closure periods caused by insured events.

While some hotel policies include basic cyber coverage, dedicated cyber insurance is recommended given the sensitive guest data hotels handle, payment processing systems, and potential for significant business interruption from cyber attacks.

Swimming pools and spa facilities require specific coverage for drowning risks, slip and fall accidents, equipment failure, and water quality issues. We ensure these high-risk areas are properly covered in your policy.

Yes, food poisoning claims are typically covered under product liability insurance. This includes guest illness claims, investigation costs, legal defense, and potential business interruption from health authority closure orders.

Contract works insurance can be arranged to cover renovation and refurbishment projects, protecting against damage to existing property and covering the works themselves during construction periods.

If contractors work under your direction and control, you may still need employers liability coverage. We assess your specific employment arrangements to determine appropriate coverage requirements.

Loss of license insurance covers lost revenue and additional costs if your hotel, restaurant, or bar license is suspended or revoked due to circumstances beyond your control, such as structural damage or regulatory issues.

Standard hotel insurance typically provides limited coverage for guest belongings. Additional coverage can be arranged for higher value items, and safe deposit box insurance is available for valuables storage.

Terrorism insurance can be included to cover property damage and business interruption from terrorist acts. This is particularly important for hotels in city centers or tourist destinations.

Claims settlement times vary by complexity, but our specialist hospitality claims team understands the urgency of hotel operations and works to minimize business disruption through rapid assessment and settlement.

Yes, policies can be adjusted for seasonal occupancy variations, special events, and peak trading periods to ensure appropriate coverage levels throughout the year while managing premium costs.

We typically need property details, guest capacity, services offered, revenue figures, claims history, current insurance details, and information about security measures and risk management procedures.

Absolutely. We specialize in providing tailored coverage for independent and boutique hotels, understanding their unique operational requirements and risk profiles compared to large hotel chains.

Conference and event facilities require specific coverage for equipment, cancellation risks, and increased public liability exposure. We ensure these activities are properly covered in your policy.

Yes, emergency claims support is available 24/7 for urgent situations such as fires, floods, or major incidents that could affect guest safety or business operations.

Multi-site policies are available for hotel groups or operators with multiple properties, providing consistent coverage and potential premium savings through combined purchasing power.

Common exclusions include wear and tear, gradual deterioration, deliberate acts, war risks, and certain natural disasters. We explain all exclusions clearly and can arrange additional coverage where needed.

We recommend annual reviews to ensure coverage remains adequate for changes in property values, business operations, revenue levels, and new risks. Mid-term reviews may be needed for significant changes.

Public liability insurance covers guest injuries on hotel premises, including guest rooms. This includes medical expenses, compensation claims, and legal defense costs for accidents or injuries.

Yes, coverage extends to hotel car parks for guest and visitor injuries, vehicle damage claims, and property damage. Additional security measures may affect premium rates.

Outdoor areas, gardens, terraces, and grounds are covered for public liability risks, property damage, and maintenance-related claims. Weather-related damage may have specific terms and conditions.

Key person insurance is available to protect against revenue loss if key management or operational staff are unable to work due to illness, injury, or death.

Environmental liability insurance covers costs of pollution cleanup, third party claims from environmental damage, and regulatory fines from environmental incidents at your hotel.

Policy changes can be made by contacting us on 0330 127 2333. We'll assess the changes, provide any additional premium calculations, and arrange policy amendments as needed.

We provide access to risk management resources, health and safety guidance, training materials, and loss prevention advice specific to hotel operations to help minimize claims and reduce premiums.

Contract works insurance is available for hotels under construction or major renovation, covering the works, existing property, and third party risks during the construction period.

Coverage may be available for business interruption and additional costs resulting from closure orders following health inspection failures, depending on the circumstances and policy terms.

Yes, coverage is available for wedding and event cancellation, additional liability risks, and specialized equipment used for events. This may require specific endorsements or separate event insurance.

Hotel insurance costs in the UK typically range from £2,000 to £15,000+ annually depending on property size, location, guest capacity, and services offered. Boutique hotels may pay £3,000-£8,000 while larger hotels with restaurants and conference facilities may pay £10,000-£25,000 or more.

Yes, budget hotels typically need basic coverage focusing on essential risks, while luxury hotels require higher coverage limits, additional protection for high-value contents, concierge liability, and enhanced guest services coverage. Premium levels and risk exposures differ significantly.

Bed and breakfasts need public liability, employers liability (if staff employed), buildings and contents insurance, business interruption, food poisoning coverage, and guest accommodation liability. Many B&Bs can use simplified hotel insurance packages designed for smaller properties.

Yes, London hotel insurance is typically 20-40% more expensive due to higher property values, increased crime risks, terrorism exposure, and higher compensation awards. Hotels in Manchester, Birmingham, and Edinburgh also face higher premiums than rural locations.

Hotels have limited liability for guest belongings under the Hotel Proprietors Act 1956. However, public liability insurance may cover claims if negligent security contributed to theft. Safe deposit box insurance provides additional protection for guest valuables.

Hotel restaurants are typically covered under the main hotel policy, but may need enhanced product liability limits, liquor liability coverage, and specific equipment protection. Standalone restaurants within hotels may require separate policies depending on operational structure.

Boutique hotels often need key person insurance, enhanced professional indemnity for personalized services, higher contents coverage for unique furnishings, and specialized coverage for art, antiques, or distinctive architectural features that chain hotels typically don't have.

Higher star ratings typically increase premiums due to more valuable contents, higher service standards, increased liability exposure, and greater business interruption values. 5-star hotels pay significantly more than 2-3 star properties due to enhanced risk profiles.

Mortgage lenders typically require buildings insurance covering the full reinstatement value, business interruption insurance, and may require additional coverage for contents, loss of rent, and alternative accommodation costs. Lender requirements vary by property value and loan terms.

Airport hotels may need enhanced coverage for noise-related claims, aircraft accident exposure, increased security risks, shuttle bus liability, and higher business interruption limits due to flight disruption impacts on bookings and revenue.

Historic and listed hotels need specialized heritage building insurance covering restoration costs using traditional materials and methods, archaeological discovery coverage, enhanced fire protection, and compliance with conservation requirements that significantly increase rebuild costs.

Most hotels need £2-6 million public liability coverage, though larger hotels, those with swimming pools, or high-risk activities may need £10 million or more. Coverage should reflect guest capacity, activities offered, and potential claim values in your area.

Fire safety failures can result in closure orders, lost revenue, and upgrade costs. Business interruption insurance may cover lost income during closure, while some policies include coverage for costs of meeting enhanced fire safety requirements following inspections.

Yes, cyber insurance should cover guest Wi-Fi networks for data breaches, malware transmission, and privacy violations. Hotels providing internet services face liability for guest data security and may need enhanced cyber coverage beyond basic policies.

Spa hotels need specialized coverage for treatment liability, equipment breakdown, therapist professional indemnity, slip and fall risks in wet areas, chemical storage, and potential allergic reactions to treatments or products used in spa services.

Claims history significantly impacts premiums. Multiple claims or large losses can increase premiums by 25-100% or more. Claim-free discounts of 10-25% are common. Insurers typically review 3-5 years of claims history when calculating premiums.

Golf resort hotels need standard hotel coverage plus golf course liability, cart insurance, driving range protection, clubhouse coverage, tournament event insurance, and specialized coverage for golf equipment rental and professional shop operations.

Conference facilities are usually covered under main hotel policies but may need enhanced limits for equipment, cancellation coverage, and increased public liability for larger events. Separate event insurance may be needed for major conferences or exhibitions.

Product liability insurance covers allergic reaction claims, including medical expenses, compensation, and legal costs. Hotels must maintain allergen procedures and documentation. Severe reactions can result in significant claims requiring adequate coverage limits.

Seasonal hotels can adjust coverage during closed periods, reducing business interruption and contents coverage while maintaining buildings insurance. Some insurers offer seasonal rating to reduce premiums during low-occupancy periods while maintaining essential protection.

Eco-hotels may need specialized coverage for renewable energy systems, green building materials with higher replacement costs, environmental liability insurance, and coverage for sustainability certifications that could be lost following damage.

Yes, cyber insurance should cover loyalty program data breaches, including member personal information, payment details, and points/rewards data. Hotels with extensive customer databases face higher cyber risks and need appropriate coverage limits.

Pet-friendly hotels need enhanced public liability for animal-related incidents, additional cleaning costs coverage, property damage from pets, and potential coverage for pet injury claims. Some insurers exclude or limit pet-related claims.

Major renovations require contract works insurance and may affect existing coverage. Insurers must be notified of significant changes, coverage limits may need adjustment for increased property values, and business interruption calculations should reflect post-renovation revenue.

Wedding venue hotels need enhanced public liability, event cancellation coverage, marquee and temporary structure insurance, additional equipment coverage, liquor liability, and specialized coverage for wedding-specific risks like vendor failures or weather disruption.

Yes, EV charging stations need coverage for equipment damage, fire risks, electrical faults, and liability for charging-related incidents. This may require policy extensions or separate coverage depending on installation type and ownership structure.

Business interruption insurance can cover lost revenue from power outages if caused by insured perils. Utility failure extensions may be available for non-damage power losses. Backup generator coverage and spoilage insurance for food may also be needed.

Scottish hotels face different legal systems affecting liability claims, potentially different licensing requirements, and may have access to different insurance markets. However, core coverage requirements are similar across the UK with minor regulatory variations.

Rooftop facilities need enhanced public liability for height-related risks, weather exposure coverage, structural adequacy insurance, and potential coverage for items blown off rooftops. Safety barriers and access control affect premium calculations.

Franchise hotels must meet franchisor insurance requirements, which often specify minimum coverage limits and may require additional insured endorsements. Franchise fees and brand protection may need specific coverage not required by independent hotels.