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Compare guesthouse & hotel insurance

If you run a hotel or guesthouse it's important to have the right insurance in place to protect you, your property and your guests.

As careful as you may be, accidents happen when you least expect. It’s therefore essential to ensure you have the right cover to protect your buildings, furniture, stock and liability to employees and your guests.

We can arrange comprehensive insurance for hotels, combining liability cover with property protection, legal protection, guest’s belongings and much more. Having the right insurance in place can give you peace of mind and protect your livelihood if something goes wrong.

Simply speak to one of our business insurance specialists and compare hotel insurance quotes today.

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Insurance for hotels & guesthouses

What insurance does my hotel need?

Insurance in the hospitality industry is unique to each individual business. Hotel insurance is no exception and must be tailored to your individual needs to ensure your business has the comprehensive protection it requires.

The risks associated with running a hotel are extensive and have the potential to impact the business’s ability to trade, leading to large financial loss. Ensuring your business is safeguarded against all eventualities is essential for business continuity.

Hotel & guesthouse insurance covers to consider:

Hotel insurance covers explained

Public liability and employers' liability insurance for hotels

As a hotelier, you are responsible for the wellbeing and safety of your guests as well as your employees and must ensure that all your trading activities are protected with comprehensive insurance.

If a guest were to fall down the stairs and sustain an injury, then you may be liable to pay compensation awards. Hotel insurance can help protect your livelihood against these financial exposures and public liability cover could pay any damages awarded to the claimant, as well as any legal costs and medical expenses associated with the claim.

Similarly, as part of your cover, employers’ liability insurance can protect your employees should they injure themselves at work. Accidents in the kitchen can be common, including burns and cuts, and as stringent as you may be with health and safety, sometimes these things can’t be avoided. Employers’ liability can protect your business against awards for damages as well as any legal expenses incurred.

Liability insurance covers these unexpected events, meaning you can focus on creating a warm and welcoming environment for your visitors and staff.

Hotel buildings, contents and stock cover

Whether you have a large hotel with lots of guest rooms, or a guesthouse with multiple rooms from single occupancy up to family accommodation, your buildings, contents, guest effects, fixtures, fittings and stock will also need to be protected against property damage and unforeseen circumstances. The expense of replacing carpets, fixtures and fittings, lighting, plumbing and wiring can all be covered by your hotel insurance should something unfortunate happen, so it’s important to take everything into account when selecting the level of cover you require.

Business interruption insurance for hotels

If you were to suffer a fire or a flood at the premises, for example, you may find this interrupts your business meaning you are unable to trade. If you were to suffer damage at the premises from an insured event, business interruption insurance can protect your income, staff wages and expenses while you get back up and running.

Commercial legal expenses

Commercial legal expenses could also be added in to protect against things like employment disputes, criminal prosecution defence and more.

Cyber insurance

Like many hotels and guesthouses, if you have a website, hold personal data about guests, suppliers or even employees and rely on computer systems as part of your day to day business, then you have a cyber and data exposure that you may wish to protect. Cyber insurance can’t stop a hacker getting in, but it can provide crucial support if your data is compromised.

Compare hotel insurance quotes

Understanding the fundamental risks that your business faces requires expert knowledge of the industry and advisors that are willing to go the extra mile to ensure you get the cover you need. That’s where we come in.

We have many years’ experience sourcing insurance for small bed and breakfasts as well as larger hotels and have gained a thorough understanding of the exposures you face and the protection you need.

Call our insurance advisors today to arrange your hotel insurance and protect your livelihood or arrange a call back for a time that’s more convenient.


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"I’ve used Premierline for my work insurance for a few years now. They always find me such competitive prices. As a small business owner I really couldn’t afford the prices when I looked online myself especially after having had no work for 7 weeks when Covid-19 first hit. So it was a huge relief to find a policy I could afford and be ready for when work started to pour in."

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