Hotel insurance
Join over 900k UK customers (including hotels like yours) – we offer public liability cover from £4.74*
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
Insurance for hotels – why is it important?
Whether it’s a dispute with a supplier, staff being taken ill, or property damage, problems at your hotel can be expensive to fix. With the right cover you can get back to property up and running as normal. You can start with landlord insurance and build from there.
Simply Business can cover small hotels with up to 20 guest rooms.
- hotel insurance online, from quote to claim
- peace of mind, letting you focus on your property, not the what-ifs
- UK-based claims team, award-winning and available 24/7
What does hotel insurance cover?
Most hotels usually start with buildings insurance when creating a policy. It protects your property against rebuild or repair costs, for example if it’s vandalised or there’s a fire. Beyond that, you can tailor your policy to include other rental-related covers.
How much does hotel insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
---|---|---|
Main Building | £100 | £2,500 |
Fixtures & fittings | £100 | £2,500 |
Landlord contents | £100 | £2,500 |
Accidental damage | £100 | £500 |
Landlord liability | No excess | £500 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
How it works
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Only pay for what you need
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Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
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How do insurance claims work for hotels?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
Hotel insurance FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.
You aren’t legally required to take out a specific landlord policy, but remember – a conventional home insurance policy won’t cover you for rental activities, and a mortgage lender will usually demand you have specific landlord cover in place, before you let your property.
Popular covers include property owners’ liability and contents insurance, for accidents on your property, plus buildings cover to protect the property itself.
As we’ve outlined above, there’s currently no legal obligation to take out a dedicated landlord insurance policy. However, a home insurance policy won’t cover you for the specific risks you and your tenants face, and a mortgage lender will usually require you to have buy-to-let insurance in place too, before renting out your property.
If you employ people, you’re required by law to have employers’ liability insurance.
If you’ve provided furniture and other contents for your tenants – maybe even a TV or art for the walls – your property is known as ‘furnished’, and protection is key for most landlords. You can buy contents insurance as part of your landlord insurance policy, just add it when completing your landlord insurance quote.
We provide cover for a range of property types, including:
- terraced and end terrace houses
- semi-detached houses
- detached houses
- bungalows
- maisonettes
- individual flats in purpose-built blocks or buildings
- individual flats in converted buildings or houses
- entire purpose-built buildings with multiple flats
- entire converted buildings or houses with multiple flats
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions