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Guesthouse and Hotel Insurance Quote

Hotel, Guesthouse and B&B Insurance

It is estimated that there are over 700,000 hotel rooms in the UK. These rooms are temporary homes to all types of guests from conference attendees and business people, to couples on leisurely breaks and family holidays. Whether they are hidden away in a quiet quarter of a historic city or overlooking a beach, each hotel is different. Yet all hoteliers share the same core insurance requirement; to protect their livelihood in the event of a claim.

Whether your hotel is a bed and breakfast or a guesthouse or a boutique, airport, budget or 5 star hotel, our hotel insurance is designed especially for you.

Can you imagine the sheer devastation your hotel would be facing should a pipe burst and water escaped into your guests bedrooms? Ceilings would require replacing as well as furniture, carpets, beds and of course the guests’ belongings too. If you faced a true catastrophe like a large fire or flood, could your B&B business recover from the damage to both your premises and livelihood?

Invicta Business has carefully selected a panel of insurers who offer quality yet affordable B&B insurance under one simple package. All of the vital areas of cover your hotel requires are included within our hotel policy, including the buildings, contents, tenants improvements and public and employers liability. Obtaining your instant hotel insurance quotation could not be easier. Just click on ‘Get a Quote’ in the top right hand corner of this page to obtain your competitive quotation.

It only takes a few moments during which time we will search our specially selected panel of insurers to find you a great value for money hotel insurance quotation. Cover can then be purchased immediately and documents issued to protect your hotel comprehensively.

What is Hotel Insurance?

Tailored to specific needs of hoteliers, our hotel insurance has been carefully designed to package all of your hotel insurance requirements together under one simple package. Not only can you include all of your hotel contents including beds, furniture, electrical equipments, tables, chairs and kitchen equipment, but you can also include the buildings insurance or tenants improvements (if you lease your premises) so that your fixtures and fittings, such as bathrooms, can also be protected. When disaster strikes and your hotel is hit with a large flood or escape of water claim or you are unfortunate enough to have a fire or burglary, you can rest assured knowing you have the right cover in place.

In addition, our guesthouse insurance comes with Business Interruption cover as standard enabling your profits to be maintained whilst repairs for a claim are ongoing.

In addition, as with all business owners, you have a duty of care to protect your customers and staff. Whilst the above cover benefits are important for the continuous trading of your hotel, our hotel insurance also extends to include Public Liability and Employers Liability cover. Public Liability cover protect you should a negligent act on your part causes damage to property or injury or death to one of your guests or members of the general public. In such an event, they would have the right to take legal action against you for compensation. Employers Liability cover is a legal requirement for all businesses employing staff in the UK and covers you for injury or death to your members of staff for which the business is negligently at fault. Both of these sections are included automatically as part of your standard hotel insurance cover, offering yet a further layer of protection.

How much does Hotel Insurance cost?

There are many variables that are taken into account when rating your hotel insurance premium. These factors include location, size, type, sums insured and of course previous claims history. Despite these variants, we are confident that by clicking ‘Get a Quote’, you will be able to obtain a competitive quotation for all of your guesthouse insurance requirements in moments. We genuinely believe that you will be pleasantly surprised by just how simple it is to obtain competitive, value for money cover at a few clicks of a mouse.

Do I really need Hotel Insurance?

What would the implication be if you had a serious claim at your hotel? Could your hotel business withstand the loss of trade that would immediately follow a significant flood or fire?

At Invicta Business, our hotel insurance not only includes cover for the hotel and contents but it also includes business interruption cover as standard. This important cover section helps to top your profits back up to their normal level should a claim occur at your premises. In the event of a catastrophe, your hotel may become partially or completely inhabitable. Rather than allowing your business to cease trading, the business interruption cover assists with staff wages, re-advertising and other areas to maintain your current profit levels whilst repairs are made. The questions is not do I need hotel insurance but can I do without it?

Whilst the above is incredibly important to your continuous trading, you must not forget your legal liabilities. All UK companies must have Employers Liability insurance in place to protect their employees and we are pleased to confirm we include this legal requirement as standard.

What other covers should a Hotel operator consider?

Whilst our quality hotel insurance packages should pick up most of the potential threats to your business, there are policy extensions and other insurance policies that we feel compliment our hotel cover and should be considered when quoting for your B&B insurance.

Terrorism cover is excluded from all commercial insurance policies unless specifically requested prior to inception. Is your hotel located in a city centre or in close proximity to a potential terrorist target, such as a government building, military base, utilities depot or shopping centre? If so, we strongly recommend you make serious consideration at this cover extension. Often hoteliers with properties in major cities such as London, Birmingham or Manchester choose to include this additional protection.

Most hotels are spread over several floors, which means that you are highly likely to operate a lift or escalators. In addition, if you prepare food and hot drinks, you may also have high pressured equipment in your kitchens and of course a boiler to heat your hotel. It is a legal requirement that all of these items are inspected yearly or twice yearly dependent on legal requirements to ensure that they are maintained safely under Health and Safety regulations. Let us take away the concerns of having to remember to book the inspections by offering you one of our first class Engineering Inspection policies.

All directors and senior management in UK companies should seriously consider the added protection of Directors and Officers cover. Indemnity is offered to protect and defend directors and senior management should they become directly involved in an employment dispute, Health and Safety investigation or a dispute with a fellow director for failure of their duty of care, not dislike an errors or omissions policy.

We can also include commercial legal expenses cover that will offer you some legal defence should you be involved in a legal dispute including contract disputes, employment disputes, property disputes, criminal disputes and tax investigations by HMRC.

Simply click ‘Get a Quote’ to obtain competitive cover for your standard hotel insurance requirements.

For further details or to receive a quotation for these additional benefits, please contact us on 0330 0450032 for assistance.

Complex or specific business insurance requirements

If your hotel is of a non-standard or unusual construction or you have a chain of hotels and require cover for multiple locations or if you are interested in finding out more about Directors and Officers insurance or any of the other products mentioned, please contact us for immediate assistance on 0330 0450032.

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