Hotel Insurance

Standard Cover

Please refer to the policy document for terms and conditions.
For examples of exclusions and limitations please click here.

The following is covered as standard within our hotel and guesthouse policy:

  • Business contents - Our policy covers your trade contents and stock against a range of perils including explosion, fire, storm damage, malicious damage and theft involving forcible and violent entry or exit from the premises. Cover also includes the leakage of beer & beverages from pumped containers and subsequent damage to contents.
  • Business interruption - This helps you stay in business by covering loss of gross income and reasonable expenditure incurred as a result of a loss covered under Section 1 of the policy. A gross profit sum insured of £250,000 with an indemnity period of 12 months is our standard cover.
  • Loss of accounts receivable - Covers money up to a maximum limit of £25,000 that customers owe your business, but cannot be collected, due to a loss covered under Section 1 of the policy to your books of account or business records.
  • Loss of liquor licence - If for any reason you lose your licence due to circumstances outside of your control then we will cover you up to £100,000 against loss of profit or the depreciation in the value of your property should it be sold.
  • Public and Products Liability - Provides cover of up to £2,000,000 for sums you become legally liable to pay in respect of accidental injury to any person or accidental loss or damage to their material property happening in the course of your business or caused by the nature or condition of anything sold or supplied by your business.
  • Employer's liability - Provides cover of up to £10,000,000 for sums you become legally liable to pay as damages, together with your legal costs and expenses relating to an injury to an employee for which you are legally liable.

Our hotel insurance cover automatically includes the following extensions as standard:

Contents ExtensionsStandard Cover Limit
Breakage or scratching of fixed glass and sanitary fixtures and fittings. Up to the amount of your contents sum insured
Damage to window frames following breakage of glass. £500 in any one policy period
Damage to glass lettering or other ornamental work and alarm foil. £500 in any one loss
Damage to signs. £1,000 in any one policy period
Loss or damage to your business goods while being carried in any vehicle(s) owned, hired or leased by you anywhere in or between the UK, Channel Islands, Isle of Man and Republic of Ireland. £2,000 any one event
Replacement of locks following theft of the hotel keys from the hotel or authorised private residence. £500 in any one policy period
Loss of money:
  • In transit or bank safe (cash carrying warranty will apply).
 £3,000 in any one loss
  • From the hotel during business hours.
 £3,000 any one loss
  • Money left unattended at the hotel and not contained in a locked safe.
 £500
  • From the residence of any principal or authorised employee.
 £500 any one loss
  • From gaming, amusement or vending machines
 £300 any one loss
Outside business hours:
  • From locked safe.
 £1,500
  • Not contained in a locked safe.
 £500
Non-negotiable money (e.g. crossed cheques, credit card counterfoils). £250,000 any one loss
Personal accident - Assault resulting in bodily injury to you or an employee caused solely or directly as a result of robbery or any attempted robbery in course of the business. Weekly benefit for disablement - £100 per week up to 104 weeks. £10,000 for death, loss of limb(s) or sight
Loss of freezer contents following accidental change in temperature. £2,000
Seasonal increase. Automatic increase in stock sum insured during busy periods. Up to 25%
Outside catering - cover against: loss or damage to your equipment by an insured peril. £2,000 any one loss
Loss or damage by an insured peril to your property in the open within the boundaries of your premises e.g. picnic tables and garden furniture. £500 in any one policy period
Loss of metered water directly resulting from loss or damage by an insured peril. £2,500 any one claim
Damage to landscaped gardens caused by emergency services attending your premises as a result of an insured peril. £1,000 in any one policy period
Guests' personal effects & motor vehicles
  • Personal effects limit.
 £1,000 any one guest
  • Motor vehicles limit.
 £10,000 any one vehicle
Maximum amount payable under this extension is £50,000 any one claim.
Personal money and credit cards
  • Accidental loss of personal money.
 £250 limit in any one policy period
  • Fraudulent use of personal credit cards by an unauthorised person.
 £500 limit in any one policy period
Cloakrooms - Cover against your liability for loss or damage to property belonging to patrons caused by theft or accidental means whilst deposited in the cloakroom of the hotel £1,000 any one cloakroom
£100 any one article
Outside catering - Cover against: injury to the public and damage to their property. £2,000, 000 limit any one loss

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