Hotel and Guest House Insurance – What Is Covered?
Hotel and guest house insurance packages were developed specifically to address the unique risks of hoteliers in one simple policy. From the property itself (buildings cover), to the contents, fixtures and fittings or stock, as well as liability exposures following injury to guests (public liability) or any staff (employers liability), cover can be tailored to individual requirements. Other popular extensions include damage to signage or glass, loss of licence, cover for guests belongings and fidelity cover (theft by employees).
Is Guest House or Hotel Insurance Compulsory?
The law dictates that should you employ any staff, be it full or part-time, your are legally required to purchase employers liability insurance. This provides cover for your legal liability against defence and compensation claims following injury or illness to an employee as a result of their employment with your business.
When you licence your hotel or guest house with the local authority it is also likely that they will request proof of public liability insurance cover, highlighting that guests are also suitably protected should they suffer an injury at your property as a result of your negligence – for example, falling down steps as a result of a loose carpet tile.
Compare Guest House or Hotel Insurance Quotes
At Insync our team of dedicated insurance advisors understand the hotel industry and have access to up to 10 of the UK’s leading insurers enabling them to compare guest house or hotel cover in minutes. No forms, no fuss, just great advice with instant quotations and cover – why complicate things!