Hotel insurance insurance policies can be tailored around the specific needs of your business. Including products and public liability insurance, stock insurance and business contents insurance. You can be safe in the knowledge you are correctly covered in case of events such as damage property on your hotel premises as well as injury to guests or members of the public. As well as contents insurance to cover any stock or goods offered by your establishment.
At Central Insurance we understand the demands of running a hotel and potential risks that you might want to cover in your insurance policy, our experts will provide you with a competitive quote tailored to your hotel.
Central Insurance brokers provide cover for hotels in Blackpool and Nationwide.
What Does Hotel Insurance Cover?
Hotel Business Insurance provides cover for items such as:
Property Owners Liability
Public liability insurance will cover you for any claims against you for damage, loss or injury to third parties whilst on your property. If you are proved to be at fault, this will cover the cost of the compensation.
Unlike public liability, employers liability is a legal requirement in the UK. This will cover claims from employees in case of any accidents that your employees may have onsite that cause bodily injury or damages.
Property Owners Liability
Employers liability insurance covers you in the event of a member of staff being injured on the job. If the member of staff were to claim and you were found to be at fault, employers liability insurance will cover the cost of compensation and legal fees.
Buildings are usually your most expensive asset so it is important that you have the correct cover. Building insurance will cover you in the event of damage to your property for things such as repairs right through to a complete re-build.
In the case of a significant issue stopping your business trading, business interruption insurance will cover your overheads such as wages, bills and rent. This gives you peace of mind and time to get your business back up and running.
Optional Contents Insurance
There are two aspects to contents insurance in the case of hotels, the contents which you own and the guest’s contents. This will cover you if you or your guest’s contents are stolen or damaged. There are many variants on this type of insurance which you can find out more about by contacting us.
Get your quote today via the button on this page or alternatively you can call us on 01253 764294.
Hotel Insurance FAQs
Do I need Hotel Insurance?
Running a hotel is no easy task and you can be presented with issues on a daily basis. They are naturally high-risk environments for a business owner and you will want to be covered in case of any potential issues such as guests or staff having accidents, leaks in guest rooms or accidental damage. If you are not covered all of these risks have the potential to leave you out of business, so it is always best to plan ahead. Our experts will help you choose the right cover for your set of circumstances and provide you with the perfect hotel insurance quote and cover.
Do Hoteliers need Public Liability Insurance?
As a hotelier public liability insurance is not a legal requirement. It is recommended though as it covers you against accidents on your property which you could be seen as at fault for. This will cover damages towards the claimant, legal costs and the claimant’s legal costs.
Do Hoteliers need Employers Liability Insurance?
Unlike public liability insurance, employers liability insurance is a legal requirement in the UK if you have one or more people working for you. This will cover you if you are required to compensate a member of staff who has suffered an illness or injury as a result of working for your business. Not having employers liability insurance for your hotel could be a costly mistake, leaving you at risk of a fine of £2,500 for every day you are not correctly insured.
Do I need special insurance for hotel spa facilities?
In some cases, you may need extra cover depending on what spa facilities you offer. It is always best to speak with an insurance expert, this is where Central Insurance brokers will help you create to perfectly tailored cover for your hotel making sure you are not at risk of costly claims without cover.
What areas do Central Insurance Brokers serve?
Central Insurance Brokers provides cover nationwide, we are based in Blackpool on the Fylde Coast which has given us a wide range of experience providing cover for landlords with large property portfolios.
Why Choose Central Insurance?
The most competitive premiums, every year
Our experienced broking team will ensure you don't just get the best price in the first year, you'll receive the best quote year on year.
You're in safe hands
All of our team at Central Insurance have been here for at least 10 years, gaining valuable experience in not only general insurance but also understanding our clients' specific insurance requirements inside out.
Dedicated claims assistance
Had trouble with claims in the past? Our in-house claims team are on hand to assist you with any insurance claim, acting on your behalf with corresponding with your insurance company.
Latest News & Blog
How to Avoid Underinsurance
Ensure you have the right amount of cover Suitable insurance forms a vital part of business continuity planning – but how can you be sure that you are buying the right amount of cover? Below we share some top tips from How to avoid underinsurance – A guide for small and medium-sized businesses produced by the British […]
What our clients say
Excellent service. Greg at Central Insurance sorted my insurance quickly and at a good price. Highly recommended.Andrew Witts
Central beat my existing premium by over £200 for my property portfolio. They also dealt with a broken glass claim for us promptly.Yard Club Ltd