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.
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.
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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.