Hotel Insurance

What type of Hotel Insurance do I need?

No two hotel businesses are alike. The business insurance needs of a small guest house in an idyllic rural hideaway, for instance, will be very different from a 50+ bed hotel in a bustling town centre.

• If you cater for six or more guests, it's a legal necessity to have public liability insurance and business insurance
• Employers liability insurance is compulsory, if you have employees who aren't close relatives
• If your business operates cars/vans you are required by law to have third-party motor insurance

The right business insurance for you depends on a number of factors such as the nature and location of your business, the turnover and the number of staff.

Decide which of the following main insurance products best suits your business needs, then compare quotes and prices online. Or get an independent insurance broker to track down the best insurance package deal for you.

• Public liability insurance
• Employers liability insurance
• Products liability insurance
• Buildings/propertyinsurance
• Contents/stock/fittings insurance
• Personal assault insurance
• Money insurance
• Accidental damage insurance
• Business interruption insurance
• Engineering insurance
• Optional extras
• Legal expenses
• Personal accident/sickness
• Computer breakdown
• Loss of liquor licence
• Employee theft
• Book debts
• Glass /Sign replacement service
• Inflation protection
• Seasonal increases for stock
• Employee travel insurance

Which options should you choose? read more about each: Do I need it?