Hotel insurance

Contents insurance

In case something happens to your hotel’s fittings, fixtures, and operational equipment.

What’s typically covered by contents insurance

Claims against your business for:

• vandalism or damage to your hotel’s furniture or operational equipment
• destruction or damage from fire or flood

For example :

• a fire destroys the furniture in one of your hotel rooms
• someone vandalises the inside of your hotel causing permanent damage
• a flood breaks all of the electrical equipment in your hotel lobby

Read more about contents insurance

Buildings insurance

In case something happens to your hotel’s premises.

What’s typically covered by buildings insurance

Claims against your business for:

• damage to the structure of your building from a flood, fire, or vandalism 
• repair or rebuild costs 
• equipment, content, and fittings if they’re damaged by something like a fire or flood 

For example :

• your hotel’s carpet is ruined by a flood and needs to be replaced 
• a fire damages some furniture and has to be repaired 
• an employee breaks a glass door while moving furniture and it needs to be refitted

Read more about buildings insurance

Public Liability insurance

In case the boiler fails, or there’s a plumbing or electrical emergency.

What’s typically covered by public liability insurance?

Claims against your business for:

• injury or illness caused by your hotel 
• damage to someone’s property caused by your hotel’s activity 
• employees causing accidental damage or injury 

For example :

• a customer trips over a cable and injures themselves 
• your employee breaks a customer’s laptop while cleaning their room 
• someone is served food that they’re allergic to by mistake 

Read more about landlord home emergency cover

Stock Insurance

In case something happens to your stocks and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

• damage to (and loss of) stock following floods, fires, or vandalism
• theft of stock following a break in 
• the cost of replacing the stock you need to operate 

For example :

• someone breaks into your hotel and steals valuable electronics from the rooms 
• a burst pipe in the kitchen ruins of all your dry stored food 
• a fire burns all of your spare bedding for your rooms 

Employers’ liability insurance

In case anyone gets ill or injured while working for your hotel.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• injuries to staff that are caused by your business 
• illness to staff as a result of working for you

**Employers’ liability insurance is usually required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee. You may not need it if your only employees are family members or are based abroad.**

For example:

• an employee falls down the stairs because of a loose floorboard and injures themselves  
• a member of staff gets an infection from a scratch on a rusty surface

Business interruption insurance

In case a crisis stops you from running your hotel.

What’s typically covered by business interruption insurance?

Claims against your business for:

• lost revenue, profit, or rent following damage to your hotel 
• increases in the cost of working 

For example:

• a burst pipe causes a flood to the whole bottom floor of your hotel and you’re forced to close
• a fire breaks out overnight and damages your hotel so much you need to close

Read more about business interruption insurance