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.
This will include buildings insurance for your actual bricks and mortar location, and contents insurance for the items held within
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
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
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
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.
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.
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.
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.
The most common exclusions from these types of policies are accidental damage and theft by forced entry. Due to the frequency of occurence, and difficulty of proving culpability, most insurers will not cover these risks.
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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