Hotel Insurance
Get Your Business insurance quote today!
We do the hard work for you
Running a single Bed & Breakfast or a chain of 5* hotels can mean working long hours over 7 days each week so finding time to look for a competitive hotel insurance quote can be hard. Whatever the number of staff you employ, if you have a standard or non-standard premises, a single outlet or a chain let us do the hard work for you. A single call to Lockyers insurance brokers, with our access to most UK branded insurers, can help to solve your problems.
Once you become one of our clients we continue to work with you, adjusting the policy to meet the changing needs of your business. We understand that you have a busy life so we can also offer the services of a dedicated claims team to help you through the process should the need arise.
Cover can be tailored to include:
- Buildings insurance – cover to protect your premises in the event of structural damage such as fire damage
- Stock insurance – cover for damage or theft of products which can be very expensive to replace, can also include protection against deterioration of frozen stock
- Loss of licence – cover to protect against loss if the licence to sell alcohol is lost through no fault of your own
- Public liability insurance – cover for claims due to customer injury or loss. This is especially important with so many customers at your premises and at risk from even simple hazards such as spillages – Find out more
- Product liability insurance – covers the cost of compensation claims for injury or damage to people or properties by a faulty product that your business designs, manufacturers or supplies – Find out more
- Employers’ liability insurance– a legal requirement if you have 1 employee or more to cover against any action taken by any employee in the event of accident or loss – Find out more
- Contents insurance – cover for items such as tills, fixtures and fittings from damage and theft, especially when some equipment can be very expensive.
- Guests personal effects insurance – cover for the belongings of your paying guests while they are staying with you in the event of malicious or accidental damage, protection for losses due to fire, water or theft
- Owners & staff personal effects insurance – cover for your belongings or those of your staff in the event of malicious or accidental damage, protection for losses due to fire, water or theft
- Loss of profits insurance – cover to allow your profit levels to be maintained in the event of business downtime so your business will still receive income
- Loss of cash & cheques – protection for loss from your premises, home or in transit
- Computer insurance – cover for loss, theft or accidental damage
- Goods in transit insurance – cover includes goods in vehicles owned or operated or carried by a third party.
- Tenants improvements insurance – cover for permanent changes, e.g. wiring, built in cupboards, made to a leased property by the tenant rather than the landlord
- Legal expenses insurance – protection from the costs of legal proceedings including employment and tax disputes
- Treatment risk insurance – if your hotel includes a spa we can provide cover for claims arising from accidents caused by treatments
- Alternative accommodation insurance – cover for your costs if your premises become uninhabitable and you have to provide alternative accommodation for your guests
- Directors’ and officers’ insurance – cover for claims from anyone who feels they have suffered a loss arising from a director acting wrongly in their position e.g. from employees, shareholders, creditors, regulators, customers, government – Find out more
- Cyber liability insurance – protection against losses caused by online fraud, one of the fastest growing crimes today – Find out more
- Machinery and plant insurance – cover for damaged or stolen machinery including generators that you own or loss of plant that you’ve hired
- Engineering inspection insurance – if your business involves the operation of plant and machinery including electrical installations, lifting and ventilation equipment or pressure systems then regular inspections are required to check they are operating safely within the relevant legal requirements. This policy covers the services of qualified professionals to inspect the plant and offer expert advice – Find out more
