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Hotel and Guest House Insurance

Hotel & Guest House Insurance

As insurance brokers, IC Insurance does all the hard work for you, so let us take care of your insurance needs.You don’t have to worry about anything – we’ll search all companies to find the best quote and provide you with affordable insurance cover on our vast portfolio of products. Our process is also quick and straightforward and offers you handpicked insurance policies you can trust. To request a quote, send us your details and we’ll come back to you within 24 hours on business days.
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Specialised Guest House & Hotel Insurance Packages

At IC Insurance Solutions, we fully understand the needs, preferences and requirements of hotel and guest house owners. IC brokers and insurance specialists are aware of the challenges and risks you face in the hospitality industry. So, whether you own a sprawling hotel or a small guest house, we can help.

Our specialised hotel insurance and guest house insurance packages will protect your investment and safeguard your business against unforeseen events and their consequences.

Our expert insurance brokers collaborate with a vast network of partner insurers to create a flexible and bespoke hotel and guest house insurance policies that cover hospitality businesses comprehensively and mitigate the risks associated with them.

Do I Need Hotel Insurance?

If you are a part of the hospitality industry, you likely made a huge investment to establish your hotel or guest house. It is a good idea to protect your investment with the right small hotel insurance policy.

Accommodation-related businesses such as inns and guest houses face various unique risks. That is because dealing with the public is a significant aspect of hotel management.

Hotels must also deal with clients or guests, visitors, employees, internees and other members of the public on a daily basis.

As a hotel owner, you are responsible for the safety and well-being of everyone, including people who work for you, people you are catering to and even visitors. You could be held liable if a visitor suffers an injury while on your premise or if a staff member has a workplace accident.

Claims and lawsuits can cost your business dearly, disrupt your operations and reduce your turnover significantly.

Hotel business insurance packages protect your investment by covering the costs associated with lawsuits. That is why hotel and guest house insurance is nothing short of a staple if you are in the hospitality sector.

What is Hotel Insurance?

Hotel and guest house insurance is a special type of insurance specifically designed to meet the unique needs of hotels and guest houses. Hotel and guest house insurance packages consist of combined covers that financially protect accommodation-related businesses against claims and pre-insured events like fire and flood.

At IC Insurance, we believe that no two guest houses are the same. The risk a hotel faces depends on various factors like the amenities available on-premise, guest house size and the number of employees. Different hotels and guest houses face different risks and require different levels of cover.

That is why we reject the one-size-fits-all approach to hotel and guest house insurance. Instead, IC brokers identify the specific challenges your hotel faces and create a personalised insurance plan that caters to them.

What Does Hotel Insurance Cover?

Hotel Contents Cover

An insurance policy that covers the cost of repairing or rebuying all your guest house contents including furniture, kitchen appliances, general equipment, till systems and more on a new for old basis.

Stock Cover

Covers all the items you have in your stock or inventory including food, beverages and tobacco.

Product Liability

An insurance policy that covers the cost of legal defence and compensation payouts if the claimant sustains an injury or contracts an illness after consuming the food or beverages served at your establishment.

Employers Liability

Taking out employers liability insurance is a compulsion in the UK if you employ anyone. Employers liability policy can financially protect you against injury or accident claims filed by your employees.

Public Liability

Public liability insurance covers the cost of legal defence, settlement and compensation payouts if a member of the public takes legal action against you after sustaining an injury in your hotel or guest house.

Fidelity Cover

Protects your hotel by compensating you for theft of business funds by employees.

Business Interruption

Business interruption insurance protects your hotel or guesthouse against disruptions caused by pre-insured events.

If an insured event disrupts your business or forces your hotel to shut down temporarily, business interruption insurance will continue to pay for an outgoing expense such as salaries, bills, rent and mortgages.

Loss of Licence

Hotels and guest houses require an alcohol licence to serve liquor on-premise. If you lose this licence or it gets suspended due to regulatory action, it can have a significant impact on your business. In such a situation, the loss of licence policy covers your financial loss.

Frequently Asked Questions about Hotel and Guest House Insurance

What Types of Businesses Require Hotel and Guest Houses
Any business that provides accommodation services to the public, such as hotels, guest houses, bed and breakfasts, and motels, needs appropriate hotel and guest house insurance for their long-term financial security.
What Is Covered Under Public Liability Insurance for Hotels and Guest Houses?
Public liability insurance for hotels and guest houses covers the cost of legal defence, settlement, and compensation payouts if a member of the public takes legal action against an establishment after sustaining an injury. It covers incidents such as slips, trips, falls, food poisoning, and other illnesses caused by the establishment's food or beverages.
What Is Covered Under Buildings Insurance for Hotels and Guest Houses?
Buildings insurance for hotels and guest houses covers the cost of repairing or rebuilding the physical structure of the establishment if it is damaged or destroyed by a pre-insured event like fire, flood, or storm. It also covers the cost of alternative accommodation for guests if the establishment cannot accommodate them.
What Is Business Interruption Insurance and Why Do Hotels Need It?
Business interruption insurance is a type of insurance that covers losses resulting from a business's inability to operate due to pre-insured events. For hotels and guest houses, business interruption insurance covers the loss of income from a fire or flood that temporarily forces the establishment to shut down.
Are the Guest's Possessions Covered Under Hotel and Guest House Insurance?
Whilst your business items are insured with hotel contents insurance, this does not extend to the guest's possessions. Hotel and guest house insurance policies typically do not cover a guest's property. Our tailored insurance packages generally cover the physical structure of the establishment and its contents, as well as liability for injuries to guests or damage to your property.
Why Does Employer's Liability Insurance Benefit Hotels and Guest Houses?
Employers' liability insurance is a type of insurance that is required by law if a business employs anyone. It covers the cost of legal defence and compensation payouts if an employee files a claim against the establishment after sustaining an injury or illness while on the job.
How Much Does Hotel and Guest House Insurance Cost?
The cost of hotel and guest house insurance varies depending on the size of the establishment, the level of coverage required, and the specific risks that the establishment faces. That is why we provide the expert services of our insurance brokers in Bolton, who will help you find the perfect coverage at competitive prices.
How Do I Choose the Right Hotel and Guest House Insurance Policy?
Choosing a policy that provides the coverage your business needs is challenging. Fortunately, At IC Insurance, we staff an expert team of hotel and guest house insurance brokers who will find you the perfect insurance package. We work closely with our clients to create effective packages that will give you peace of mind, knowing that every aspect of your business is sufficiently covered.

Request a Hotel and Guest House Insurance Quote

About IC Insurance

IC Insurance Solutions does all the hard work for you, so you don’t have to worry about anything. Our many partnerships with insurance providers allow us to find the best quote and provide you with the best insurance cover at affordable prices. Don’t hesitate to contact our specialist advisors today on +441204565600 or email us on info@icinsurance.co.uk if you have questions or if you want to obtain a free quotation.
To request a quote, send us your details and we’ll come back to you within 24 hours on business days.
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years of expertise

Putting the customer first is at the heart of everything we do here at IC Insurance Solutions

Using our expertise and market awareness we are commited to solving our clients insurance needs by helping them to quantify and manage the risks to their business in the most effective way. Helping clients navigate the insurance market to find the right policy to protect their business at a competitve premium.
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We are proud to announce that we have been awarded the winning position of commercial lines broker at the UK National Insurance Awards 2023.

The National Insurance Awards is widely considered to be one of the most prestigious events in the insurance industry, and this achievement is a testament to the hard work and dedication of everyone here at IC Insurance.
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