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Hotel Insurance

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As a hotel owner or manager, ensuring the continuity and success of your business is of utmost importance.

Here at Premierline, we have many years of experience helping hotel owners arrange the comprehensive insurance their hotel business deserves.

Our hotel insurance experts can take care of your insurance needs from providing cover advice to comparing hotel insurance quotes from many trusted insurers to recommend the best hotel insurance solution for your unique needs, allowing you to focus on managing your hotel and delivering exceptional guest experiences.

Whether you operate a boutique hotel in the country, a busy city-centre hotel with dining or conferencing facilities, or a luxurious resort, we understand the unique risks and challenges you face in the hospitality industry. Our industry expertise and commitment to excellent customer service make us the go-to insurance broker for hotel businesses across the UK.

Contact Premierline today to schedule a free consultation with one of our experienced insurance advisors.

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Hotel insurance is a specific type of insurance package designed to provide comprehensive insurance covers for hotels and other lodging establishments. It is tailored to address the unique risks and challenges faced by the hotel industry, offering hoteliers protection for various aspects of hotel operations, assets, and liabilities. Hotel insurance offers peace of mind and financial protection, allowing owners to focus on delivering exceptional service while being prepared for unexpected events that could impact their business.
When deciding what insurance and covers you need to protect your business, you should consider the following:

As a hotel owner or operator, having hotel insurance is highly recommended. Hotel insurance provides essential protection against a wide range of risks and liabilities that are specific to the hospitality industry.

Insurance in the hospitality industry is unique to each individual business. Hotel insurance is no exception and must be tailored to your individual needs to ensure your business has the comprehensive protection it requires.

The risks associated with running a hotel are extensive and have the potential to impact the business’s ability to trade, leading to large financial losses. Ensuring your business is safeguarded against all eventualities via a comprehensive hotel insurance package is considered essential for business continuity.

At Premierline, we offer flexible business insurance for hotels that can be as simple or comprehensive as you need depending on the size of your hotel. When deciding what hotel insurance you need to protect your business, you should consider the following:

  • Public liability - for injured guests or damage to their property.
  • Employers' liability - to protect your employees.
  • Personal accident - provide valuable benefits and financial support for business owners.
  • Buildings cover - to cover for loss or damage to your hotel.
  • Equipment, contents and stock - to reinstate your items and belongings.
  • Business interruption - to keep finances running when disaster strikes.
  • Money cover - for theft or attempted theft.
  • Loss of licence - in the event of a licence being revoked, suspended, or not renewed by the licensing authority.
  • Business legal expenses - to cover the cost of legal expenses or defend your business against legal action.
  • Guest effects insurance - typically insures you against loss or damage to your guests' personal possessions.
  • Cyber and data cover - protection in the event of a cyber-attack or data breach.
  • Engineering inspection insurance - covers the costs of inspecting and repairing any machinery or equipment.

The cost of an insurance policy for a hotel could depend on any number of factors, including the size of your hotel and its location, the types of insurance required, the value of the assets you need insured, and the overall level of risk associated with your hotel.

It is difficult to estimate the overall price of insurance covers for a hotel without considering all of these factors in the first instance. The best way to get a quote for the price of insurance for your hotel is to speak to one of our insurance specialists who can assess your hotel's needs before providing a quote from a trusted insurer.

We understand the conditions that come alongside running a hotel and finding time to source the correct insurance cover can take up precious time. That’s why our team of experienced advisors can help make arranging your hotel insurance quick and simple. Our experts are able to provide an advised service over the phone and can help find the best insurance for you.

With access to trusted insurers providing competitve rates, we could even save you money while providing dedicated assistance and peace of mind. Let us handle your hotel insurance needs, so you can focus on running your business with confidence.

Understanding the fundamental risks that your hotel faces requires expert knowledge of the industry and advisors that are willing to go the extra mile to ensure you get the cover you need. That’s where we come in. We have many years of experience arranging insurance for hotels and have gained a thorough understanding of the exposures you face and the protection you need. Here are just some of the types of hotels we work with:

Hotels groups, luxury hotels, resort hotels, business hotels, motels, country inns, serviced apartments, bed & breakfasts and guesthouses.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 
“Friendly, professional, confident and helpful service. I would have no hesitation in recommending Premierline.”
Business Owner
Customer since July 2017
4.7/5 stars
341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.
Contact Premierline today to schedule a free consultation with one of our experienced hotel insurance specialists. We will assess your unique requirements and provide you with a tailored insurance solution that meets your needs and budget.
Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm