0 What is Hotel Insurance?

Hotel insurance is exactly that, it insures and protects your hotel or guesthouse. Standard hotel insurance puts together a few different insurances that you will need when running your own hotel or guest house. This is a specific type of insurance especially for hotels or guesthouses, standard buildings and contents insurance is not enough as it will not provide cover in the event that anyone staying or working their suffers an accident or injury.
You can have bespoke insurance policies for your hotel or guesthouse as every company is different, but all hotel insurances from small country guesthouses to large hotel chains covering both licensed and unlicensed premises all offer similar protection.
What is hotel insurance What is generally covered in Hotel Insurance?
The general items that are usually included within Hotel Insurance are:

• Contents – protects the contents within your hotel or guesthouse for loss or damage.
• Business Interruption – this covers the loss of your profits from insured events such as a fire or flood
• Public Liability – this protects you from claims made from third parties in the event of accidental injury
• Employers Liability – covers your legal liability of injury to your employees while in the work place
• Legal Expenses – covers legal and solicitors fees such as cost of barristers and witnesses, court costs, and opponents’ costs if awarded against you.
• There are many other optional extras that can be added on to your Hotel Insurance policy these may include: Subsidence insurance – some properties are at higher risk than others but all should consider subsidence insurance. Obvious signs to look out for in your property as to whether you need subsidence insurance include: cracks or bulges appearing in walls, doors and windows beginning to stick, and ripples appearing in wallpaper.
• Theft by Employees – protects your business from the event of loss through theft by an employee
• Computer Breakdown – this covers the breakdown and failure of computer equipment and loss of damage to computer records.
• What is hotel insurance (source)

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