Hotels, Guest House and Bed and
Choice are brokers with decades of experience
who can offer individually designed packages for all
of your business insurance requirements. You can
ring them on
0844 55 77 926 or click this
link for a quote for your
Buildings and Contents
• Stock Cover Including Food and Alcohol
• Fixtures & Fittings
• Public and Product Liability
• Loss of Licence
• Hotels with Entertainment Licences
• Money Cover
• Loss of Profits
• Books and Debts
• Monthly Instalments Available
Insurance Choice are
authorised and regulated by the FSA (Financial
Services Authority) number 452767
As is true in any country,
visitors staying in hotels, guest houses or bed and breakfast expect the
best accommodations. When they find fault, it can become very unpleasant
for the owner of the facility. Any owner of a guest house, bed and
breakfast or hotel has a tremendous amount to think about. This not only
includes the staff they hire, the guests they are accommodating, but
also what to do in the event someone is injured whilst on the premises
or if deliberate property damages should occur.
Because running a hotel, bed and breakfast or guest house is considered
a 'risk management' type of operation, there is much to consider when it
covers to insurance cover, and finding the right insurance merchant is
key to maintaining peace of mind should something go wrong. A reliable
insurance merchant will research and find the cover necessary to protect
you, your guests, your employees, buildings and contents and any
interruption that might occur in your daily operations. The right cover
will hopefully ensure that in the event of a mishap your business will
Owners of hotels, bed and breakfast and guest houses need cover for
various types of claims including event cancellations, public liability,
employee liability and theft. Should a facility have to shut down
temporarily because of damages, business interruption cover is also
What Cover is Considered Important?
Any insurance policy for a guest house, bed and breakfast or hotel
usually includes buildings and contents. This cover usually protects an
owner against perils like accidental and/or malicious damages, fire,
explosion, storms, floods, lightning, airplanes, water damage, civil
commotion, or damages caused by vehicle or animal impact. Some policies
include standard cover for landslip, ground heave and subsidence. Other
merchants will consider this cover additional and the premium will
usually be slightly higher.
Contents will usually be offered for an additional fee, as it is
optional. It will usually cover any contents that are used in the
business like carpets, curtains, furniture and other equipment. It could
also cover any contents that are available to guests like beds, chairs,
Public, products and employers liability cover is almost always included
in a standard policy and usually provides for at least £2,000,000 in
public and products liability and £10,000,000 for employers liability.
This cover offers protection against legal liability to employees or
third parties should they suffer bodily injury or property damage.
If you sell tobacco products and operate a public bar, a tobacco cover
will generally be added to a policy for additional protection. Should
your facility have a license to sell liquor, wines and spirits cover is
highly recommended if you operate a public drinking facility. There is
also cover for loss of license, which usually offers protection for the
money you may lose because a license was not renewed or was withdrawn
due to circumstances beyond an owner's control.
Goods in transit cover will protect against stock damage whilst being
delivered, should the stock be destroyed because a mishap on the road.
Business interruption is important, because it usually covers property
should damages force you to close whilst repairs are made. It is more or
less a reimbursement for the financial hardship brought on because of
Along with business interruption and just as important cover is usually
included for unforeseen incidences like telecommunication failures,
public utilities failures, drink or food poisoning, suicide, murder or
other diseases that could occur on the property.
Money cover is advised because it will usually compensate for cheques,
postal orders and money that is on the premises if stolen or destroyed
by a standard peril. Also, personal effects of guests and employees will
usually be covered for items that are stolen, lost or or damaged due to
a standard peril. Although personal effects is often optional, it can be
a valuable consideration. in addition, if an owner lives on the
premises, cover for his or her contents can be added if damaged or
destroyed under a standard peril.
Legal expenses may also be an additional fee but is a valuable cover for
those owners needing to defend a businesses' legal rights.
Finally, if the guest house, bed and breakfast or hotel has a gym, pool,
sauna or play area, it is important to make your insurance company aware
of these recreational facilities as they are considered high risk.
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