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What is Hotel Insurance?
Hotel Insurance is a specialised type of commercial insurance designed to protect hotel owners and operators from financial loss due to damage, liability, or unforeseen events impacting the property. Whether caused by fire, storms, guest-related incidents, or other risks, this coverage ensures hotels can recover quickly with minimal financial disruption.
- This Insurance Typically Covers:
- Building Protection - Covers structural damage to the hotel building, including walls, roofing, and foundations.
- Fixtures, Fittings & Equipment - Protects essential systems like plumbing, electrical, air conditioning, and built-in furnishings.
- Natural Disasters & Accidental Damage - Includes coverage for fires, storms, floods, and accidental damage to the property.
- Optional Add-Ons - Additional coverage may include glass breakage, guest damage, loss of income during repairs, and liability protection for staff or guest injuries.
Why Choose Commercial Property Cover?
We understand the complexities of protecting your assets and offer tailored solutions. Ensure your peace of mind choosing Hotel Insurance with us because:
Our 4 Step Process
For Getting Your Hotel Insurance
1: Get a quote
Fill out a free quote with your hotel and business details.
2: Review Options
Compare personalised coverage plans.
3: Consult an Expert
Speak with a specialist to clarify any questions.
4: Get Covered
Finalise your policy and secure your property.
Running A Hotel? Protect It.
GET TAILORED HOTEL INSURANCE WITH COMMERCIAL PROPERTY COVER:
🔒 Peace of mind.
📞 Expert advice.
📋 Fast quotes.
🔒 Peace of mind.
📞 Expert advice.
📋 Fast quotes.
Frequently Asked Questions
What does hotel insurance cover?
Hotel insurance typically covers your building, contents, equipment, and public liability. It also protects against risks such as fire, theft, vandalism, weather events, and guest-related incidents.
Is hotel insurance legally required?
It’s not always legally required, but if you have a mortgage or operate under certain licenses, insurance may be mandatory. Regardless, it’s strongly recommended to protect your investment and operations.
How do I determine how much coverage my hotel needs?
Your coverage should reflect the rebuild value of your property, the cost of assets like furniture and equipment, and potential business risks. An insurance specialist can help you tailor your policy.
Does hotel insurance include cover for loss of income?
Not by default, but you can add Business Interruption Insurance, which covers lost income if your hotel can’t operate due to insured damage or events.
Can I insure multiple hotel properties under one policy?
Yes, many insurers offer policies that cover multiple locations, making it easier to manage your coverage and potentially reduce overall premiums.