No, you don’t need to be part of an association to get an insurance quote from us. We’ll get you quotes from a number of insurers and we always aim to secure the price that is right for you. Typically, our customers save 30% with us.*
Hospitality Insurance Cover
We have access to a panel of UK insurers and are able to build a policy that is tailor made to suit the requirements of your hotel, B&B or guesthouse.
Why Insurance is Important for the Hospitality Industry
There are a variety of different risks associated with working within the hospitality and leisure industry and taking out hotel insurance, B&B insurance or guesthouse insurance is one of the important ways to protect your business from insured events, especially when your business is so focused on positive customer interactions.
No matter the size of your business, risks will exist and you should ensure that you have an adequate insurance policy to cover you and your business.
Make sure that you speak to an expert in the insurance industry to gain advice on the right level of cover for you. Contact us for a hospitality insurance quote today.
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Contact our team to receive a no obligation, instant quote today.
About the Hospitality Industry
The hospitality and leisure trade is one of the most customer focused industries in the UK. From hotels that cater for large numbers of people to small B&Bs and guesthouses that only have a couple of rooms, owners want to ensure that each and every person who stays with them has a fantastic experience.
Running a hotel, bed and breakfast or guesthouse is never easy. You may spend a lot of your time resolving issues and making sure that everything is running smoothly. If anything does happen that may leave you battling a compensation claim and responsible for legal expenses, you need to make sure you have the right protection in place.
What Cover do you Need?
Hotels, B&Bs and guesthouses are often multi-purpose business with many different amenities. You'll want to consider business insurance packages that include:
Public liability insurance
Public liability insurance can cover your business for legal liability, legal costs and medical expenses that could arise from an injury to a member of the public who is staying at your hotel or for damage to their property.
Employers liability insurance
Employing staff is common within the hospitality industry. You may own and run a small B&B within one family unit, or you might have a whole team of dedicated cleaners, porters, reception and bar staff. Employing staff means you’re legally responsible to have employers insurance. This cover insures you against claims for injury or illness as a result of working for you. It can also provide cover if employees personal possessions are stolen or damaged.
Buildings insurance
Guesthouses and B&Bs can often be older properties that require particular insurance cover. Hotel and bed and breakfast insurance buildings cover is vital to protect your property against an insured event. This could be damage due to fire, theft, flood, or accidental damage.
Business interruption insurance
If your business is unable to operate due to repairs or a supplier going out of business, this will help to reimburse you for loss of income and cover your overheads.
The featured hotel is Acorn Lodge in Harrogate, Yorkshire. Visit their website here: www.acornlodgeharrogate.co.uk.
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Hotel and B&B insurance FAQs
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You must cover all of your staff who are employed under a contract of service or apprenticeship. Failure to do so could result in you being fined up to £2,500 per day, not to mention leaving yourself exposed to any compensation claims. Unincorporated family businesses are exempt from this requirement, however if the family business is incorporated as a limited company, it will need to be covered by employers liability insurance. You are also exempt if you are the director of a limited company and the sole employee, and own 50% or more of the issued share capital.
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The cost of your business insurance will depend on a number of factors, such as how many bedrooms you have and the location of your business. Our advisers will ask all the relevant questions and provide a tailored quotation from a panel of A-rated insurers.
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Yes, we can provide quotations to cover your business premises, just mention this to your adviser and they’ll make sure it’s included.
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