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Insurance for Hotels
Running a hotel means looking after guests, staff, and buildings, often all day and night. Hotel Insurance helps protect you if something goes wrong, from guest injuries in communal areas to fire, escape of water or damage to rooms, so you can focus on occupancy and service rather than unexpected costs.
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Expert UK team
What is Hotel Insurance?
Hotel Insurance is a package of covers for businesses that provide paid guest stays, from small boutique hotels to larger sites. It will usually include buildings and public liability cover, with options such as employer’s liability, contents and business interruption. It is set up to help with repair costs, compensation claims and loss of income after an insured event.
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Why Choose Business
Compare for your
Hotel Insurance?
Business Compare works with a panel of UK insurers who understand hotel and guesthouse risks. Share details such as your number of rooms, facilities and staffing, then compare quotes in one place and choose cover levels that fit your location, guest profile and budget instead of calling around for separate prices.
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Online quote form set up for hotel and guest accommodation businesses -
Quotes from multiple UK business insurers
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Options for single hotels and small groups
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UK based support if you want to talk through your cover
for Hotels
01
Guests’ effects insurance
Helps cover compensation if guests’ personal belongings are stolen, damaged or lost while staying at your hotel.
03
Terrorism insurance
Helps protect against loss or damage to your buildings or contents caused by a terrorism related incident, up to the policy limits.
02
Loss of licence insurance
Can help with lost income and certain costs if you lose a licence that your bar or restaurant relies on, following an insured event.
04
Legal expenses insurance
Can help with legal costs for certain disputes with guests, suppliers or employees, as set out in the policy wording.
Size and type of hotel
The number of rooms, guest capacity and whether you run a boutique hotel, budget site or larger complex all influence how much you pay.
Location and facilities
Hotels in city centres, busy nightlife areas or flood prone zones, and those with bars, restaurants or pools, are usually priced differently to quiet, low risk sites.
Cover levels and extras
The buildings and contents sums insured, public liability limit and any extra covers you choose, such as business interruption or loss of licence, will all affect the premium.
Claims history and risk management
Recent claims, how you handle fire safety, slips and trips, and how well you maintain the property can move premiums up or down over time.
Hotels welcome guests, staff and suppliers onto the premises every day, so slips, falls or damage to vehicles and belongings can quickly turn into claims. Fire, escape of water or storm damage can also close rooms or whole floors. Buildings and contents cover can help with repair and replacement costs, public liability can help with guest injury or damage claims, and employer’s liability is key if you have staff, helping you deal with employee claims in line with UK law.
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Protect your hotel today by filling in our quick online form. We’ll provide you with competitive quotes from top UK insurers, ensuring that your hotel is fully covered.
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