Hotel Insurance

We offer insurance for hotels, bed and breakfasts and guesthouses and we recognise the similarities and also the differences of each.

If you own a hotel, bed and breakfast or guesthouse, there are risks from which you need to protect yourself, your staff and your guests. Without the correct insurance in place when something goes wrong, the costs of accidents or mistakes can be unbearable.

We can offer a range of covers so you can not only meet your basic legal requirements, but also cover other unforeseen possibilities, such as business interruption and loss of licence.

With cover designed specifically to meet the unique needs of the hospitality industry an insurance package will include all the essential cover for buildings, contents and liability to employees and the public.

Having many people in your premises means that accidents may occur so you need to be insured against accidents which are not their fault. Employer’s liability insurance is required by law so this must be included in your insurance policy. Public liability insurance is not a legal requirement but we recommend you have it to ensure that you do not have to pay out potentially large sums of money should a customer have an accident at you hotel, bed and breakfast or guesthouse.

Having the right insurance cover for your office is important and can potentially save you thousands of pounds in the event of a claim.

We understand that every business, large or small, is different so we offer policy options which can be tailored to the needs of your company.

Covers Recommended

Employers’ Liability – claims arising from injury to employees

It is a legal requirement to hold employers’ liability insurance if you have any employees working for you

Public Liability – accidental injury to members of the public at your premises or damage to their property

Product Liability – injury property damage caused by a faulty product that your business designs, manufactures or supplies

Legal – defending your business against legal action where this isn’t covered by your liability insurance; for example, in an employment tribunal

Contents – physical damage to your fixtures and fittings, tenants improvements,  contents, computers and other business  equipment

Stock – the cost of replacing your stock (at cost price) if it is damaged or stolen

Frozen Food Cover – the cost of replacing your frozen stock (at cost price) if it is damaged (due to a change in temperature beyond your control) or stolen

Goods in Transit – loss of or damage to your goods while being carried in your vehicle(s) as part of your trading activities.

Money Cover – following theft from your premises

Business Interruption – loss of revenue as a result of a material damage claim

Loss of Licence – cover the depreciation in the value of your business or premises resulting from non-renewal or withdrawal of your license, as a result of causes beyond your control.

Portable Equipment – such as Laptops, Mobile Phones and Cameras

Glass – replacement of internal or external glass at your premises following physical damage

Optional Extras

You also have the option to add a range of other covers to your policy:

Buildings – (if you are responsible for insuring the building) ensures that your office building is covered for a number of risks, including fire, flooding and storm damage

Theft by Employees – cover for loss of money or property belonging to you as a direct result of an act of fraud or dishonesty by an employee

Computer Breakdown – cover for your equipment and damage to computer records

Terrorism – cover for material damage and business interruption if your business is directly affected by terrorism

Excess Protection – cover for your policy excess in the event of a claim

You may also be interested in:

Directors and Officers – covers the cost of compensation to a customer if a claim is made against one of your business directors or other staff (not if the claim is made against your organisation as a whole)

Cyber Protection – if your business collects personal data you should consider protection in the event of a breach of data protection laws or malicious data attacks


Motor Legal Expenses and Courtesy Car – Oncover Insurance offers Motor Legal Expenses and Courtesy Car cover to all our clients

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