What Is Hotel Insurance?
Whether you run a B&B, guesthouse, hotel resort or luxury hotel, we can find you the right protection with a variety of hotel insurance policies. We can tailor packages for a range of hotel businesses – including spa hotels, holiday cottages and business hotels. Therefore, if your business is based in a hotel, we can ensure you have the correct level of cover. Through The Insurance Octopus, you get to create your own policy, only paying for the protection you require, based on a simple, easy service from a Feefo Platinum awarded company. With flexible payment methods available, you receive so much more than a hotel insurance policy when you choose one through us.
We don’t keep you hanging around, and you can get a quote in no time at all. Just fill in our quote form, request a call back, and one of our insurance experts will take you through our range of options. And should you ever need to update your policy, we won’t ever charge administration fees for mid-term adjustments, simply offering support instead.
Public Liability Insurance
Accidents happen, but the consequences can mean compensation. Keeping your clientele and their belongings safe, and standard cover starts from £1-£5m.
Employers Liability Insurance
Your staff are the lifeblood of your hotel, and they deserve a good one. Should they be injured or become unwell due to employer negligence, this insurance will cover their needs, and ensure the road to recovery is much easier.
Portable Equipment Insurance
From appointment books and laptops through to audio visual equipment and business mobiles, we can source options for cover for your portable equipment, and options to provide replacements should you prefer.
Seasonality is pretty common, and with cover also available for loss of, or damage to, your stock – ingredients, cleaning supplies and bed sheets for example – your service will always be of the highest standards.
Arranging Insurance for a Hotel is Easy
Having the right Hotel Insurance in place protects you, your hotel staff and your hotel business from expensive claims, and reduces reputational damage too. Choosing an insurance policy through The Insurance Octopus also provides you with access to a leading panel of insurers that will help you to find and select the right level of protection for your hotel business, and ensure you only pay for the hotel insurance that you actually need.
If you’re in need of hotel insurance, simply click below to get a free quote or contact one of our team today!
Not what you’re looking for? Take a look at our other business insurance services…
The Businesses That Could Benefit From Hotel Insurance
Our insurance brokers aid hoteliers with a wide range of hotel insurance policies, allowing them to find the most suitable one for their business. We know that the insurance requirements of a B&B owner differ greatly to that of a boutique hotel owner, motel hotel and family hotel owner, and can therefore tailor hotel insurance products based on this.
At The Insurance Octopus, we can find a range of hotel insurance products, including:
- Luxury hotel insurance
- Spa hotel insurance
- Hotel resort insurance
- Boutique hotel insurance
- Business hotel insurance
- Eco hotel insurance
- Budget hotel insurance
- B&B insurance
- Apartment hotel insurance
- Holiday cottage insurance
- Motel insurance
- Guesthouse insurance
Why choose The Insurance Octopus for Hospitality Insurance?
We proudly make buying insurance simple and transparent, and our sourced cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we source cover that offers up to £5 million worth of public liability cover for shops, with more available upon request.
Simple specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
A team that knows your industry
We’ll connect you with an agent who understands many of the challenges you face and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
Hotel Hazards & How To Prevent Them
As the owner or manager of a hotel, B&B, guest house or motel, you owe it to your hotel staff, clients and members of the public to provide them with a safe and secure environment. If accidents were to happen at your hotel establishment, you may be held liable, and have to pay out on hotel insurance claims if you aren’t covered for the insured event. Therefore hotel insurance, hotel motel insurance, guest house insurance or B&B insurance is of the utmost importance, as is preventing hazards that typically occur at hotels, such as these:
50% of all hotel staff injuries are related to manual handling tasks, and involve musculoskeletal type injuries, such as trauma or pain to your back, knees, elbows, muscle tears and contusions (Crams, 2019). The nature of repetitive work in the hotel industry, such as moving kegs, making beds and carrying luggage, can lead to muscle strain directly or over a period of time.
Slips, Trips & Falls
People spill drinks. Water spills over the swimming pool. People drop things. Accidents happen – whether that’s in the kitchen, back-of-house or as cleaners mop the floors.
Having to close your hotel for any period of time is never good for business, especially when it means losses of substantial profits. Many things can cause this closure – damage to property; hindered access to the area – for example due to being within a crime scene; utility breakdown; leaks; loss of licence.
Choosing The Right Hotel Insurance For Your Business
Finding time to find the right hotel insurance policy can be tricky – especially considering the daily activities that keep you and your staff very busy. That’s why at The Insurance Octopus, we make the hotel insurance process as simple and straightforward as possible, sourcing you hotel insurance quotes and hotel insurance policies for a suitable level of insurance cover.
For your hotel insurance quote, please click here. This call back form asks for key information such as your name, hotel’s name, telephone number and email address, as well as staff numbers, whether you require buildings insurance and if you wish to protect your business against cyber threats and data breaches.
Once you’ve completed the call back form, we’ll arrange a call with you to learn more about your Hotel Insurance requirements, and to discuss a range of hotel insurance policies in detail.
When we’ve taken you through researched Hotel Insurance quotes and policies, and you’ve chosen the hotel insurance policy that’s right for your hotel business, we’ll process all of the information you have given us, and cover will start immediately if required. You’ll receive your hotel insurance policy documents via email, and we can send you a physical copy too.
When it’s time to renew your hotel insurance policy, we’ll contact you again via email and letter 1 month before your hotel insurance policy is set to end. If you would like to change or update your Hotel Insurance policy, please let us know and we’ll organise this for you before the renewal period begins.
We keep the Hotel Insurance quote and policy process as easy and hassle-free as possible. Whether you need insurance for a hotel, guest house or motel, sourcing your options through The Insurance Octopus is simple. Get in touch with us today for your free no-obligation quote.
How To Make A Claim
We can assist with the Hotel Insurance claims process – answering any and all queries and questions that you have, following the initial discussion with your hotel insurance company. Whether you’re claiming for hotel liability, hotel building insurance, hotel business interruption or another hotel insurance claim, our simple, easy service guides you through the hotel insurance claims process, and beyond it.
If you ever to make a claim on your hotel insurance, hotel motel insurance or hotel and guest house insurance, please follow this process:
Report the insured event to your insurer using the hotel insurance claims number provided, taking note of key dates, times, important facts and information on what has happened. If something serious has happened, such as theft or malicious damage, please contact the police immediately.
Next, check your Hotel Insurance policy and ensure that you’re covered for what has happened.
When going through the event with your insurer, it’s important that you have your policy document, receipts for anything stolen or damaged and any information that you feel will help explain your hotel insurance case to hand.
Should your Hotel Insurance claim be unsuccessful, or if you experience any problems, please call us on 0161 968 2030 to discuss the matter further. We’ll try our best to resolve any issues, though please note that we can’t make any promises about decisions made.
Your insurer will then process the hotel insurance claim, and you’ll receive your compensation subject to the outcome of the claims case.
Disaster averted for a hotel
A small hotel faced refunds running into the thousands after flooding substantially damaged their wedding venue. This left the hotel premises out of action for several weeks and meant that several planned weddings had to be cancelled or relocated. Fortunately, the hotel’s Flood Insurance covered the cost to repair the venue and the business interruption covered the cost of the lost business and helped to ensure that nobody was left out of pocket by the event.
A B&B’s worst nightmare
The owners of a small bed and breakfast feared the worst after multiple guests were taken down with food poisoning one morning. Things looked very bad after several of their former guests took legal action against them. Fortunately, even though the case did not find in their favour, they had Product Liability insurance, which covered the liability they had for the incident that had taken place. This covered the cost of the settlement following the conclusion of the action.
Don’t leave things to chance when it comes to
your business – get dedicated cover today.
Cover from risks
Everyday risks can also be associated with natural causes which could result in your business temporarily incapable of operating. In these types of situations, your staff could potentially hold you legally accountable which a court of law may also agree. In other situations, you could have suffered serious stock losses as well as a loss of income. At The Insurance Octopus, we cannot stop any of these unfortunate events happening, but we can help you find a business insurance policy that provides the right financial protection for your bed & breakfast establishment.
Letting out rooms on Airbnb?
Airbnb makes it simple to guests for your rooms and if you live at the property whilst letting out rooms short term then we can provide a personalised B & B insurance quote for you.
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