Dave Beard

Expertly compared by Dave Beard

Products Updated June 4, 2018

Business Insurance For Hotels and Guest Houses

If you own a hotel or guest house then you’ll need adequate business insurance to cover you against all risks. Our experts can arrange a policy that meets the needs of the business covering building insurance and public and employers liability.

Our insurance experts can compare the market to find you the best deal on business insurance. Get a free quote and advice today:

4 providers expertly compared:

Simply Business

Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.

  • TRUST
  • VALUE
  • EXPERTISE & KNOWLEDGE
  • CUSTOMER SERVICE

Learn more about how we review and assess the providers here on Lending Expert.

Provider
Business Insurance

Products
Professional Indemnity, Public & Employers Liability Cover

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
UK Small business cover

Rated 4.8/ 5

All credit types

Simply Business is a broker that provides a wide range of business insurance cover. They specialise in small businesses and can advise, compare and arrange the right insurance products to ensure you are not only protected by get the best deal on the market.

4 providers expertly compared:

AXA

Provider
AXA Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.7/ 5

All credit types

AXA business insurance can cover you and your business for every eventuality. Apply online today and save an extra 10% on your quote instantly.

4 providers expertly compared:

Hiscox

Provider
Hiscox Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.8/ 5

All credit types

Hiscox commercial business insurance provides a professional level of cover to protect every aspect of your business, from the premises to the people who work for you, and any legal matters that may arise from your day-to-day operations.

4 providers expertly compared:

Available via broker only

Zurich

Provider
Zurich Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
UK Small business cover

Rated 4.6/ 5

All credit types

The right insurance package will give you the peace of mind to successfully grow your business. Zurich have an extensive suite of insurance products tailored to a wide range of small and SME businesses to ensure you have complete protection from all risks.

Read our customer and visitor reviews for this product:

Rating: 5 / 5 with 1 votes

Recieved quotes as promised.

by Clear Eye Wear Limited

Happy with the process and quotes. Simple to use and back up with a phone call. No pressure to buy, which was reassuring.

FAQ

Owning a hotel or guest house means that you are constantly scrutinised as customers expect certain standards of hygiene and service.

Running a hotel or guest house requires you to maintain the property in every way. This could mean ensuring that it is safe externally while carrying out cleaning and maintenance work indoors. As your hotel or guest house is constantly in use by guests it means that you have to think about their well-being. This means that you have to offer them the right advice and ensure that you act professionally at all times. However, this puts you at risk of making mistakes and this can lead to a guest making a claim against you. Incorrect advice or negligence could lead to injury or financial loss which would mean that a guest would have the right to claim. Mistakes can happen quickly and without you realising so ensuring that you are protected is the first step towards securing the future of your business.

Business Insurance For Hotels and Guest Houses

Business Insurance For Hotels and Guest Houses

Business insurance is created to suit the needs of your business and this is why it is there as a form of protection. Any costs associated with a claim will be covered and this means that your finances will not be damaged. Mistakes and negligence can happen at any time but making sure that your business is covered using the right insurance will help you to deal with all costs.

Taking care of the needs of your guests and maintaining the safety of your property are all high priorities for your business but there are multiple risks that could result in a client making a claim.

Professional indemnity insurance is designed to protect your business from any claims and the associated costs. If you provide your guest with incorrect advice or act negligently then they could make a claim against you. Incorrectly advising a client that a certain meal in you restaurant is free of allergens when it does in fact contain an ingredient that could make a customer extremely ill could lead to illness and loss of income or you could fail to maintain furniture that could be faulty and cause injury. Regardless of the error you make you guest would have the right to make a claim in order to recoup their losses and receive compensation. This insurance will help to cover these costs by providing full cover meaning that you can have confidence in your decisions.

If you put public liability insurance in place then you will be protecting your business from claims associated with injury that you may have caused or damage caused to the property of others. A wall fitting could fall and injure a guest or a waiter may spill hot liquids over someone which causes severe burns. If you guest experiences injury in this way then they can make a claim against you. However, this insurance will offer the protection you need.

These features come with business insurance:

  • All claims are full covered regarding of the outcome
  • In-depth assessment of all claims before payment is made
  • Complete protection for your business
  • Defence costs and compensation costs are covered
  • Your business needs are fully understood to determine the right cover
  • Court costs are included in the cover
  • Regardless of your budget, cover is available.

What Are the Benefits?

There are many benefits associated with business insurance:

  • You will meet all legal expectations as well as industry requirements
  • You will have more time to spend on your business needs
  • Financial protection from expensive claims
  • Advice is there for you along with representation
  • Peace of mind and re-assurance

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