Hotel and Guest house Insurance

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Why QuoteSearcher for Hotel and Guest House Insurance?

As a hotelier, you come across many weird and wonderful people and situations as part of your profession. Meeting guests from all walks of life, and often championing your local area, your hotel or guesthouse is often an integral part of a person’s holiday or break away.

Because of the ever-changing and sometimes unpredictable nature of your job, you need to be covered against a number of factors. Only with a detailed guest house insurance policy will you be able to run your business smoothly, and with peace of mind.

QuoteSearcher understands the unique demands of being a hotelier, which is why we have an extensive panel of specialist insurance brokers whose job it is to offer you competitive guest house insurance quotes for bespoke policies that cover all eventualities, whether you run a village bed and breakfast, or an upscale boutique hotel in the city.

Policy Features

Property/Premises

This will include buildings insurance for your actual bricks and mortar location, and contents insurance for the items held within

Liability Cover

Protection against any injury or illness claims made by the public or employers’ against your business

 

Guests Contents Insurance

This is a legal requirement as part of the 1956 Hotel Proprietors Act and covers guests’ belongings during their stay

Business Interruption

In the event of your hotel/guesthouse being uninhabitable (e.g., flood or fire damage), your income will be covered

Types of Hotel & Guest house Insurance

Property/Premises

These will be covered by your buildings and content insurance, you may need different levels of cover depending on the style of your hotel and the value of the items, equipment and décor situated within

Staff and Guest

These will be covered by your public and employers’ liability insurance, and both are integral aspects to avoid financial losses from potential claims, medical bills or compensation payments

Income Protection

You need to know that your income is protected in the event of your hotel or guesthouse becoming uninhabitable. If you were to have a serious fire incident, current and future bookings would be cancelled and, coupled with the cost of repair, it could be devastating financial blow if you are not covered.

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Policy Extras

The following are popular additions that many choose to integrate into their policies:

Personal Contents Cover

This can be a good addition if you or any staff reside in your hotel full-time and protects your personal belongings.

Legal Expenses

If you are taking legal action against someone, this will claim for financial support and legal costs pertaining to the case.

Loss of License

This will pay out should your license be revoked, ensuring that any assumed income during this time is covered.

FREQUENTLY ASKED QUESTIONS ABOUT HOTEL OR GUESTHOUSE INSURANCE

    • Do I need Hotel or Guesthouse Insurance?
      Legally, any guesthouse or hotel owner is required to have guests contents insurance, as part of the 1956 Hotel Proprietors Act.However, it is advisable to have a hotel insurance policy in place, to protect you and your business in the event of an accident or a liability claim.
    • How much is Hotel or Guesthouse Insurance?
      The cost of your hotel or guesthouse insurance policy depends on numerous different factors: Number of rooms, annual turnover, members of staff, whether food is served, the type of building, and whether any events are held at the hotel.

I am really pleased with the quote I got from you for my guesthouse and wanted to say thank you for helping me out.

Jenny Wright - London

At last! A quote website that is simple, easy and quick to use!!! I just had to send in a quick email to congratulate and thank you.

Alan Roberts - Portsmouth

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QuoteSearcher Limited is authorised by the Financial Conduct Authority. Our FCA registration number is 504796. This can also be checked by visiting www.fca.org.uk

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk

Our company registration number is 05387593 with our registered office at 8 Waldegrave Road, Teddington, Middlesex, TW11 8GT.