Hotel Insurance

Flexible & tailored policies to help protect hotels

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Introducing our hotel insurance

The cover your hotel deserves and needs

Own a boutique hotel in the city? Run a B&B in the countryside? Take pride in your guest house by the seaside? Whether you manage a budget hotel, spa hotel, luxury hotel or business hotel, one fact remains: you need suitable hotel insurance in place to protect your hotel business from unforeseen circumstances and to ensure future success. No matter how organised you are, or how talented your hotel staff may be – accidents do happen, and your hotel business may be held liable. And anyway, what would you prefer? Expensive hotel insurance claims that could result in lengthy legal battles, costly compensation and reputational damage, or a hotel insurance policy that covers you for this. It’s a no-brainer, and with a hotel insurance policy from The Insurance Octopus, you benefit from a team of experts who truly know their stuff.

From the provision of hotel insurance quotes and your hotel insurance policy through to assisting with claims, here at The Insurance Octopus, we can do it all. From product liability and Employers’ Liability through to building insurance, contents insurance and business interruption insurance, we’ll discuss our range of insurance options, ensuring your policy is the most suitable one for you. There’s no hidden costs here – only support, guidance and a hotel insurance policy that you can depend on.

If you’re in need of a hotel insurance policy that takes your insurance requirements into account, and provides savings and discounts that you’ll love, then please get in touch with our insurance team today on 0161 968 2060 for your hotel insurance quote.

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:

Manual Handling

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.  

Ways To Lessen Manual Handling Strain:

  • Ensure that your hotel staff undergo a solid induction when they join your hotel which includes both theory, practical and on-the-job training in how to safely carry out their appointed tasks.
  • Think about the work area and organise it in a way that reduces the need for or instances of lifting, moving and carrying stock.
  • Use mechanical aids like keg lifters, hand trolleys, pallet jacks, carts and concierge trolleys.

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

Ways To Reduce Slips, Trips & Falls:

  • Ensure all staff wear enclosed, non-slip footwear for their tasks.
  • Clean up spills as soon as is practicable (signpost if the floor is wet).
  • Install good lighting, especially on stairs or pedestrian areas that are uneven, so people can see ahead clearly.

Hazardous Chemicals

Hazardous chemicals are regularly used in hotels, and include oven cleaners, grill cleaners and beer cleaners. They can cause nasty damage, especially if they get in an individual’s eyes.

Ways To Prevent Hazardous Chemical Injuries:

  • Use personal protective equipment when handling or using hazardous chemicals, such as gloves, face masks and long sleeve clothing.
  • Ensure that safety data sheets are available where hazardous chemicals are stored and used, as these provide safety advice and details of the chemical.
  • Store chemicals safely and securely when not in use.

Business Interruption

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.

Help reduce the impact of an interruption to your business by buying hotel insurance from our team at The Insurance Octopus.


COVID-19’s impact has been felt across the world, with new safety measures in place to protect life and well-being. In the hospitality industry where contact with strangers is so prevalent, there are a range of safety precautions to follow that can help to minimise the spread of COVID-19, and keep your hotel guests, hotel staff and your business as safe as possible. Guidelines recommended by UKHospitality – a trade association that represents the interests of the UK’s hospitality sector – include:

  • Room service to be left at the door.
  • Minimal lift usage – only for those who cannot take the stairs.
  • Keys and key cards to be disinfected each time a new hotel guest takes possession of it.
  • No handshaking.
  • The removal of hotel buffets and mini bars. 
  • Swimming pools and spa access to be limited and booked in advance.
  • Privacy screens set up in hotel gyms to separate hotel guests while exercising.

Along with the removal of queues and crowding in hotel bars and restaurants – for example, through table service – these are just a number of the ways to reduce the spread of COVID-19 in hotels.

‘’They were pleasant and patient to deal with and found me a very reasonably priced policy.’’ – Catherine Moncrieff

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 offer 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

Whatever your hotel insurance requirements, please call The Insurance Octopus today on 0161 968 2060 for your bespoke quote and hotel insurance policy.

What Does Hotel Insurance Cover?

As a specialist insurance broker, we can provide specialist hotel insurance quotes and a hotel insurance policy that truly meets your needs. Having built up and managed partnerships with a variety of top-rated UK insurers, we can negotiate hotel insurance policies and prices on your behalf. Our knowledge of the hotel insurance market aids these discussions, and we always provide our hotel insurance clients with credible insurance guidance that they can depend on. 

The Insurance Octopus are experts in providing hotel businesses with a variety of hotel insurance policies, including cover for Employers’ Liability insurance, hotel liability insurance and resort hotel insurance. 

In a single policy, our hotel insurance could cover a variety of the following:

Hotel Public Liability Insurance

When word of mouth and online reviews can make or break a hotel, how you treat your clientele is of the utmost importance. Accidents happen, but as a hotelier you have a duty of care to protect your clients, and keep them and their belongings safe. Hotel Public Liability insurance protects your hotel against compensation claims made by members of the public, due to injury or damage to personal property. Your hotel’s Public Liability Insurance also protects you against the cost of repairs and replacements, and covers you against any legal proceedings that may be filed against you. 

Standard levels of cover are available from £1m to £5m, with additional levels of cover available upon request subject to terms and conditions.

Hotel Employers’ Liability Insurance

How you treat hotel employees sets the tone for your hotel business. Treat hotel staff with respect and care and they’ll provide your clients with the same. It’s not just about providing flexible working hours and fair pay – treating hotel staff right includes having hotel Employers’ Liability insurance in place to provide them with support should they suffer an injury while working for you. By law, if you have one or more hotel staff members then you must have employers’ liability insurance at a minimum of £5 million. Employers’ Liability will pay damages and associated legal costs in respect of death, disease or illness caused to employees, so that they are taken care of, as well as their families.

Our hotel insurance Employers’ Liability comes with £10m as standard, and we’ll work with our hotel insurers to find the most suitable hotel Employers’ Liability Insurance policy for your hotel.

Business Interruption Insurance

If your hotel had to close because of fire, flood, vandalism or loss of license, or another unforeseen insured event interrupted the operations of your business leaving you at risk of losing income, then Business Interruption Insurance could help. Business Interruption Insurance can pay out on loss of gross profit, as well as the costs and expenses incurred by you to minimise the reduction in gross profit subject to your insurers specific terms and conditions. Our policies can include loss of licence, and interruptions caused by water, gas, electricity and internet services as a result of damage to any service provider’s EU premises, underground cables or earth movement.

Specific Business Interruption policies may include additional covers as standard.

Building & Contents Insurance

What defines a great hotel, motel, guest house or B&B? The ambience? The food? The rooms? Along with great service – we’d say all three, so it can be pretty distressing when damage is done to them. Hotel Building Insurance covers the insurance costs of repairing or rebuilding your hotel, motel, guest house or B&B if it is damaged or destroyed by an unexpected insured event such as a fire or flooding. Buildings including outbuildings, landlord’s fixtures and fittings, boundary walls, gates, fences, hedges, terraces, drives and footpaths can also be included. Contents Insurance covers the cost of replacing your hotel business’s contents and stock – such as ingredients, equipment and your own personal belongings – providing compensation for all of this and more

With Building & Contents Insurance, your hotel doesn’t have to suffer, and neither does your future success.

N.B. Under this policy, we can also cover the business equipment needed to run your hotel, including point of sale systems, computer systems and necessary machinery such as ovens and microwaves.

Stock Insurance

Hotel Stock Insurance covers the price of your stock, such as ingredients, alcoholic beverages, cleaning supplies and amenities – think toiletries and bedsheets, for example. Stock Insurance ensures that if your stock is damaged, destroyed or stolen, that you will have compensation to replace them. Stock Insurance is also worth considering for:

  • Seasonal Increases (if you don’t specify an increase in stock, then damage to this increase may not be covered under an insured event).
  • Deterioration of Stock – such as frozen or refrigerated items including food stuffs, medicines and other perishable goods.

Insuring stock while in transit is also a good idea, as is checking with The Insurance Octopus about manufacturer’s input.

Hotel Legal Expenses Insurance

Hotel Legal Expenses Insurance covers you financially should legal action be taken against you, or by you.  Covering everything from legal and tax advice, a counselling helpline and employment protection through to contract and debt recovery, Legal Expenses Insurance also covers costs incurred due to court dates, trials and representation.

Hotel Legal Expenses Insurance can also help with:

  • Employment disputes.
  • Property damage.
  • Legal costs involved with Property protection.
  • Your business becomes liable to a tax enquiry by HMRC and suffers from a tax investigation.
  • Costs involved with defending alleged non-compliance such as data protection breaches.
  • Prosecution from The Health & Safety Executive following an accident at your hotel business premises.
  • Legal cases related to bodily injury.

With the right cover through The Insurance Octopus, expenses don’t have to be expensive.

Hotel Product Liability Insurance

Have a gift shop or restaurant onsite? Sell local produce to help out local farmers and give your guests a taste of your region? Perhaps you stock shampoos, body gels and soaps and provide them in every room? Even if you don’t produce the products yourself, you could still be held liable for any damage or distress they cause your hotel guests – especially if any harm comes to them. This rings true for the food and drinks you serve and sell too.

Anyone who is harmed by an unsafe product that you have sold can place a claim against you. You can be sued by an individual who is injured by or becomes unwell as a result of consuming an unsafe product that you have supplied even if they didn’t buy the product themselves. This extends to accidents, death, disease or illness caused by the product, as well as damage to any material property caused by the product.

Hotel Product Liability Insurance could provide compensation for hospital fees, and ongoing medical costs if required, too.

Loss of Money Insurance

Even the most secure and well-managed hotels, motels, guest houses and B&Bs can be subject to loss of money via violent or forcible means. Whether you lose £500 or £5000, any amount of money that goes missing can have a big impact on your hotel’s operations and the standard of hotel service that you can provide. Loss of Money Insurance and loss of money cover ensures that you’re insured against such losses to maintain your financial stability. Regardless of whether your money was stolen during business hours, while in a bank night safe, while in a locked safe when your hotel, guest house, motel or B&B was closed, while in transit or not in a locked safe when closed for business, you’ll receive compensation for the amount taken as shown in your policy, so that you can get back to business as swiftly as possible.

A loss can be recovered with the right cover from The Insurance Octopus.

Personal Accident Insurance

A good hotelier places his clientele’s health and safety above all else, but a great one also takes care of him or herself. At The Insurance Octopus, your health and safety is important to us, and we strongly recommend taking out a personal accident insurance policy for your own benefit. This provides compensation on an agreed scale, for death or bodily injury, it also covers: loss of limbs or sight; permanent total disablement; temporary total disablement; temporary partial disablement.

As part of your hotel insurance, Personal Accident Insurance for hotel managers and hotel owners will pay your business a weekly sum of money if you are unable to work following an accident – such as a broken arm or leg. This can help pay for temporary staff to cover you while you’re resting, or provide current employees with overtime. 

Service levels can remain high, and you can rest with peace of mind.

Loss of License Insurance

When alcoholic drinks are part of your hotel’s menu, then you must have a liquor license that allows you to sell such beverages. Without a drinks license, the consequences could be quite severe – including everything from exorbitant fines to a jail sentence – hindering your hotel’s, motel’s, B&B’s or guest house’s future success. It’s never worth the risk breaking the law when it comes to your business. However, with our Loss of License cover, you’ll receive compensation for loss of earnings whether that’s due to forfeiture, withdrawal, suspension or refusal of transfer of your alcohol licence, subject to the specific policy terms and conditions.

Loss of license insurance is always a safe bet, and we’ll honestly drink to that.

Portable Equipment Insurance

Cloakroom systems. Appointment books. Laptops. Mobile phones. Coffee makers. Kettles. Condiment organisers. Blenders. Toasters. Coffee pots. Lamps. Your list of portable equipment is likely lengthy, with each piece of equipment serving a key function. Whether there’s an accidental breakage, or your portable equipment is stolen, we can provide cover for everything on your list, providing compensation or replacements should you need it. So whether you’re concerned about how you’d operate without your coffee machine, coffee brewer, undercounter refrigerator, underbar sink or even your coffee mugs and tea cups, with our Portable Equipment Insurance, you’ll always have the tools you need to make your hotel food and drink as wonderful as possible.

Your hotel may be the talk of the town, but your food can be the taste of it.

Fixtures & Fittings

Dealing with hotel insurance, we know that your hotel reflects who you are, and the clientele you’d like to attract. Elegant bedroom design, welcoming dining areas and beautiful window furnishings add to the ambiance of your hotel, B&B, guest house or motel, as do curtains, cushions and throws in the bedrooms. Fixtures & Fittings Insurance as part of your hotel insurance policy can protect them from any loss or damage done to them, so that the expense isn’t yours. Along with cover for any bespoke hotel signs, Fixtures & Fittings Insurance can cover you for any structures you have built yourself.

At The Insurance Octopus, our award-winning team can create a hotel insurance policy that meets your hotel’s insurance requirements, and covers your staff, equipment and stock. To find out more about our range of policies, and for your free no obligation quote and hotel insurance policy, please contact us today on 0161 968 2060.

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, providing you with hotel insurance quotes and a hotel insurance policy that will provide your hotel business a suitable level of insurance cover.

For your hotel insurance quote, please click here. This great 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 our range of hotel insurance policies in detail.

When we’ve taken you through our range of 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.

‘’The representative that I spoke to was extremely professional, friendly and well informed. Everything was explained, followed up with emails of what had been discussed/agreed and telephone calls to check if everything was correct. When I had to make a couple of alterations they were dealt with without any complaint or fuss and at no further cost.’’ – Margaret Taylor

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, we’ll help 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.

Hotel Insurance Benefits

A hotel insurance policy from The Insurance Octopus provides a great level of hotel insurance cover. Providing everything from luxury hotel insurance, spa hotel insurance, boutique hotel insurance and business hotel insurance through to budget hotel insurance, B&B insurance, apartment hotel insurance and motel insurance – our hotel insurance quotes always take your insurance requirements into consideration. Protecting your hotel from risks such as Public Liability, Business Interruption, Product Liability and Employers’ Liability, hotel insurance can also provide comprehensive cover for your building, its contents and equipment. 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 from 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.

The Insurance Octopus can help everyone from hoteliers, B&B managers, motel owners and business hotel managers through to boutique hotel owners and high end luxury hotel managers. If you’re in need of a hotel insurance product, we recommend getting in touch with us today for your hotel insurance quote.

Why Choose The Octopus Insurance

We are a reputable insurance provider, providing competitive hotel insurance quotes for a range of hotels needs, including hotel and guest house insurance, Public Liability insurance and hotel property insurance, as well as liability insurance. Whether you’re looking for a hotel insurance policy, cheap hotel insurance or hotel motel insurance, we know that we can provide you with all of this and more, always keeping your needs at the forefront.

Our hotel insurance clients speak very highly of us – highlighted by our glowing reviews and testimonials. We have received the Feefo Gold trusted service for 6 consecutive years, emphasising our dedication to our clients, our insurance team and the industry wholeheartedly.

Our bespoke hotel insurance policies are designed for ease of additions, removals, increases or decreases. We can create a hotel insurance policy that only includes the cover you need, minus the insurance costs you don’t.

We offer flexible hotel insurance payment methods, and there are never any mid term adjustment fees or hidden fees within your policy. We’re honest and open in our approach, and never take our hotel insurance clients for granted. We ensure you know exactly what you are paying for, and how much you’re paying for your hotel insurance policy.

If you ever need to make a claim against your hotel insurance, we support you through the process as needed. Your hotel insurer will ensure that any hotel liability is dealt with appropriately, effectively, and with The Insurance Octopus by your side.

We’re in the business of keeping your hotel business protected. Choose The Insurance Octopus for a hotel insurance broker you can trust. To get your free no-obligation hotel insurance quote and hotel insurance policy, please contact us today.

‘’Dealing with Luke my sales advisor was a very relaxed process and he knew his job well. I never felt pressured to take the quotes that he gave but I did through my own choosing.’’ – Karen Barr

How To Attract New Business To Your Hotel

Want to appeal to a wider demographic? Interested in growing your client base? There are lots of great ways to attract new hotel guests, and these ways include:


Provide Incentives

Hotel guests have a wide range of hotel options, sometimes, with little differentiation. Especially for clients looking for budget hotels, B&Bs and spa hotels, your hotel guests need a stronger reason to choose you over your competitors. You may not be the cheapest, but you could offer incentives such as ‘’15% off your first stay’’, ‘’10% off dining’’ or ‘’Nightly entertainment’’.  Incentives are also great for creating a sense of urgency to spur people to book with you before they miss out on a special time-limited offer.


Build Local Partnerships

Lots of great opportunities here. Making friends with local business owners is a great way to build partnerships and co-promote each other, and possibly get discounts for future endeavours. By sourcing food locally, offering discounts for local restaurants and tourist attractions, as well as sites such as gyms and yoga studios, potential hotel guests will see that you offer the full package, and should help you find favour in their eyes.


Market Your Location

Chances are there are many holiday-makers unsure about whether the city or town in which you are located is the right destination for their holiday. This is why you shouldn’t just be focusing on the amenities your hotel has to offer, but also on location attractions and sightseeing opportunities. Consider what makes your city or town a desirable place to visit, and shout about it on your website and through your social media accounts. Are there any local festivals? Are there any conventions nearby?


Customer Service: Before, During & After Their Stay

Answering future guest questions. Providing insight into your hotel, with imagery and information that promotes it. Offering a friendly and supportive atmosphere and service as soon as your hotel guests arrive. Dealing with any issues without blame or hesitation, and offering a complimentary breakfast. After their stay, providing incentives to come back. These are all signs of good customer service, and will do wonders for your hotel.