Property, Guests And Trading Income

Hotel Insurance

Commercial insurance for UK hotels, boutique hotels and accommodation businesses, with cover shaped around the premises, guests, staff, facilities and seasonal trading pattern.

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Overview Key Sections Related Pages FAQs

Working with insurer markets

Market access and cover availability depend on trade, disclosure, claims history, underwriting appetite and policy terms.

  • Allianz insurance logo
  • Zurich insurance logo
  • CHUBB
  • QBE insurance logo
  • RSA insurance logo
  • AXA
Commercial cover for a complex hospitality business

Protect The Premises, The Operation And Your Guests

A hotel combines residential accommodation with a customer-facing business. Buildings, guest rooms, kitchens, bars, events, employees, booking systems and seasonal income create connected exposures that a standard property policy may not address. The insurance presentation should describe how the entire site trades, including every material facility and activity.

Guests And Visitors

Bedroom capacity, communal spaces, accessibility and public facilities.

Property

Buildings, fixtures, contents, equipment, stock and outbuildings.

Hospitality Services

Restaurants, bars, leisure facilities, events and entertainment.

Income

Seasonality, booking dependence and recovery after insured damage.

Core and optional sections

What Hotel Insurance Can Include

The sections selected should match the business and the insurer's terms. Compare limits, excesses, exclusions, warranties and insured events as well as premium.

01

Buildings And Property

Cover can protect declared buildings, permanent fixtures and external features against selected insured events. Rebuilding values should include professional costs, debris removal and any unusual construction.

02

Contents, Equipment And Stock

Guest-room furniture, kitchens, laundry equipment, electronics, linen, food, drink and other declared contents can be insured. Theft protections and single-item limits require attention.

03

Public And Products Liability

For covered third-party injury or property-damage claims connected with the premises and declared food, drink or hospitality activities.

04

Employers' Liability

Normally required where staff are employed, subject to limited legal exemptions. Include permanent, seasonal, casual and other relevant workers.

05

Business Interruption

For insured loss of income and selected additional costs following insured damage. The indemnity period should allow for surveys, permissions, repairs and rebuilding bookings.

06

Cyber, Money And Legal Expenses

Optional sections may address booking-system incidents, personal-data breaches, declared cash or specified legal disputes. Each has separate triggers, limits and exclusions.

Does the hotel host weddings, events or members of the public?Describe every facility and activity so the insurer can assess the full operation rather than accommodation alone.
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Who it is for

Hotels Of Different Sizes And Formats

The insurer needs the actual operating model, not simply the label used in marketing.

  • Independent and family-run hotels
  • Boutique, country and coastal hotels
  • Business, city-centre and airport hotels
  • Hotels with restaurants, bars or spas
  • Hotels hosting weddings, conferences or events
  • Converted, listed and unusually constructed properties
What insurers assess

Details That Influence Terms

  • Property: age, construction, roof, heating, flood and subsidence history
  • Occupation: bedrooms, maximum guests, public areas and unoccupancy
  • Facilities: kitchens, bars, events, pools, spas, gyms and play areas
  • Protection: fire detection, sprinklers, escape routes, alarms and locks
  • People: employees, casual staff, contractors and concession operators
  • Trading: turnover, seasonality, booking channels and claims history
Avoid gaps between activities

Hotel Features That Need Specific Attention

Each additional service can change insurer appetite, liability exposure, property values and the time required to recover after a loss.

Food, Drink And Events

Describe restaurants, room service, licensed bars, weddings, conferences, live entertainment and outside catering. Confirm whether facilities serve residents only or the wider public.

Leisure And Wellbeing

Pools, spas, saunas, gyms, beauty treatments, play areas and sports facilities can require different controls and liability consideration. Third-party operators should also be disclosed.

Guest Property And Security

Check how the policy treats property in custody or control, luggage storage, safes, key systems, CCTV and theft. Guest belongings are not automatically covered by every policy.

Valuations And Recovery Time

Buildings should use the basis required by the policy rather than market value. Contents, stock and interruption figures should reflect peak trading and a realistic reinstatement period.

Illustrative scenarios

Incidents The Policy May Need To Address

  • A kitchen fire damages rooms and stops trading
  • A guest alleges injury after a fall in a communal area
  • An escape of water damages bedrooms, contents and future bookings
  • Food served in the restaurant is alleged to have caused illness
  • A booking-system incident exposes personal information

These are examples only. Cover depends on the cause, selected sections, limits, exclusions and policy wording.

Read the conditions

Common Limitations To Check

  • Wear and maintenance: gradual deterioration and defective upkeep are commonly restricted
  • Unoccupancy: seasonal closure can change conditions or cover
  • Flood and subsidence: terms depend on location and history
  • Valuations: underinsurance can reduce a settlement
  • Activities: undeclared facilities or events may fall outside cover
  • Cyber and cancellation: these are not automatically included
Prepare once, compare more easily

Information To Have Ready

Bring the property address and construction, bedroom and guest capacity, turnover, workforce, facilities, rebuilding and contents values, interruption period, fire and security protections, licence details and claims history.

Get hotel quotesCall 0330 127 2333
Common questions

Hotel Insurance FAQs

What insurance does a hotel need?

The appropriate insurance depends on the property and operation. A hotel policy can include buildings or tenants' improvements, contents, stock, public liability, employers' liability, business interruption and selected optional sections.

Does hotel insurance cover restaurants, bars and events?

Restaurants, bars, weddings, functions and entertainment should be disclosed. Cover may be available when the insurer accepts the activity, but liability, property, stock and interruption requirements may change.

Do hotels need employers' liability insurance?

UK businesses normally need employers' liability insurance where they employ staff, subject to limited legal exemptions. Permanent, seasonal, casual and other relevant workers should be disclosed accurately.

Can hotel insurance cover loss of income?

Business interruption can cover insured loss of income and selected additional costs following insured damage. The sum insured and indemnity period must reflect seasonality and a realistic rebuilding and recovery period.

What affects the cost of hotel insurance?

Pricing can be affected by construction, location, bedroom and guest capacity, turnover, facilities, property values, fire and security protections, selected limits and claims history.

What information is needed for a quote?

Insurers commonly request property details, bedroom and guest capacity, turnover, staffing, facilities, fire and security controls, sums insured, interruption requirements, licences and claims history.

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