Hotel Insurance

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Why Compare Cheap Hotel Insurance With SimplyQuote

Anyone in the hospitality sector knows how little time you have for admin; with customers keeping you busy left, right and centre!

That’s why SimplyQuote has designed the 100% free, online comparison tool – to streamline the process without losing hours in your day.

Quickly filter through multiple insurance quotes from top-class insurance providers in a matter of minutes; and find the best deal suited to you, your business and your budget today.


What Do You Need To Get A Quote?

Why Do You Need Hotel Insurance?

What Does Hotel Insurance Cover?

Hotel insurance is a type of commercial business insurance that covers:

Public liability insurance

If someone gets injured or has their property damaged within the hotel premises, you can claim public liability insurance. This insurance will cover compensation claims and legal expenses if a third party decides to take you to court.

Employers’ liability insurance

Employers’ liability cover is a legal requirement in the UK. It protects businesses and employees by helping them meet the cost of compensation should an employee fall sick or get injured while fulfilling their duties. Failure to have employers’ liability insurance can result in further legal trouble (£2,500 daily fine!).

Business interruption cover

Business interruption insurance is a key component of business insurance and should always be a part of your hotel insurance policy. If your business is forced to close due to uncontrollable circumstances, this cover can keep you financially stable so that operations carry on as normal when you resume them.

Buildings insurance

Buildings insurance will provide cover for the cost of repairs and full rebuilds should your hotel’s building be damaged through an accident, vandalism, or natural disaster.

Contents insurance

This covers business assets such as furniture or equipment in the event of theft or damage from fire or flooding. Contents insurance typically covers equipment breakdown as well.

Public and products liability insurance

If your hotel has a restaurant and a guest gets food poisoning from eating it from that restaurant, they might seek compensation. Product liability can keep you covered in this regard.

Stock insurance

Whether you’re dealing with raw materials, finished goods, or office supplies, stock insurance can cover the cost of replacing stock items should they go missing, be stolen, or get damaged.

Guest effects

This policy covers costs in the event guests (or employees’) personal belongings are damaged, lost or stolen. It may or may not be ‘standard’ with some insurance providers, so do check the finer details with them.

What’s not covered

  • Normal wear and tear due to poor property maintenance
  • Costs arising from negligence – not locking the office and equipment/cash being stolen
  • Intentional/malicious damage caused by the hotel owner (to claim insurance payout)
  • Guests’ property – this may be covered in certain insurance policies
  • Damages caused by guests – they are liable for the costs incurred (but must be an act of intentional/reckless behaviour)

What kind of hotels does this insurance cover?

  • B&B
  • Resort
  • Spa hotel
  • Eco hotel
  • Guest house
  • Motel
  • Luxury hotel
  • Boutique hotel
  • Holiday cottage
  • Apartment hotel

What Add-Ons Are Available For Hotel Insurance? 

There are many optional extras you can add to your basic hotel cover:

Money cover

insures cash takings on site, usually to a maximum limit.

Cyber attack cover

protects you against cyber-attacks/data hacks. Beneficial for medium and large-scale hotels.

Contractors’ risk cover

if a contractor hurts themselves or causes damage to your hotel’s property while working there, contractors’ risk insurance can cover the necessary costs.

Alternative accommodation

is generally most useful when there is an interruption of sorts. If your hotel needs to close for some reason or can’t place guests in certain rooms, it is worth looking into insurers to cover the cost of finding guests alternative accommodation.

Personal contents cover

if you or any staff members happen to live at the hotel itself, then personal contents insurance is ideal for protecting your possessions in the event of damage or theft.

Loss of license insurance

this policy covers legal expenses/losses should your hotel restaurant/bar alcohol licence be revoked.

Emergency cover

covers the costs of 24/7 emergency services, such as plumbers or electricians.

How Much Does Hotel Insurance Cost?

How Can You Get Cheaper Hotel Insurance Rates?

How To Compare Hotel Insurance Quotes With SimplyQuote?

It’s simple and stress-free to use SimplyQuote when comparing hotel insurance products:

  1. Fill in the quick questionnaire with a few details about yourself, your hotel and location.
  2. Select the policy add-ons/optional extras that are best suited to your business operations.
  3. Quickly compare quotes with the free, online comparison tool to find the best deal.
  4. Reap cash-saving rewards today!
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Frequently Asked Questions

What is hotel insurance?

Hotel insurance is a form of business insurance designed specifically to protect the operations of a hotel should anything go wrong.

What are the most common hotel hazards?

Here are some of the most common hotel hazards:

  • Handling tasks – many hotel staff injuries are related to them performing manual handling tasks such as moving stock from one point to another.
  • Trips and falls – Whether it’s in the kitchen or hotel lobby, staff and guests aren’t immune to the possibility of slipping in an unmopped puddle of water. For this reason, staff should always wear nonslip shoes and clean up messes as soon as possible.
  • Harmful chemicals – Because hotels need to maintain incredibly high standards in terms of safety and cleanliness, they often use a number of hazardous chemicals to clean their facilities. These chemicals can cause a great deal of harm to the human body, so preventative measures and comprehensive cover are key in this case.
  • Business interruption – Whether it’s a global pandemic, dreadful weather conditions, or loss of licence, hotels are extremely susceptible to having their operations interrupted. When businesses can’t operate as normal, they can experience immense financial losses.
Why do people typically sue hotels?

Here are a few reasons why people would sue hotels:

  • Insufficient security.
  • Being irresponsible with supplies, keys, or keycards.
  • Failure to sanitise sheets, blankets, and pillows.
  • Not providing reasonable services such as safe parking.
Who pays for damage to hotel property by guests?

More often than not, hotels reserve the right to charge guests for the cost of rectifying damage, but the damage has to be caused by an intentional, negligent, or reckless act on the part of the guest. Such cases can result in a legal dispute, so having appropriate cover is key to finding quick resolutions and ensuring operations aren’t interrupted.