Specialist Insurance

Hotel Insurance

Comprehensive protection for hotels, guest houses, and hospitality venues. From boutique hotels to large hospitality businesses, we arrange tailored cover to protect your premises, guest safety, equipment, and business income.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Hotel Insurance Cover?

Hotel insurance combines multiple covers to protect your hospitality business. Typical coverage includes:

Buildings Insurance

Protection for your hotel premises against fire, flood, storm, and other insured perils.

Contents & Fixtures

Cover for furniture, fittings, kitchen equipment, and other fixtures throughout the hotel.

Guest Liability

Protection if a guest is injured at your premises – typically £5m-£10m cover.

Employers' Liability

Legally required cover for staff injured at work – typically £10m minimum.

Business Interruption

Replacement of lost gross profit if you cannot trade due to an insured event.

Room Contents

Cover for guest belongings and hotel-provided items in guest rooms.

Money Cover

Protection for cash on premises, in transit to the bank, and in a safe overnight.

Food & Beverage

Cover for restaurant and bar operations, including liquor liability if applicable.

Professional Indemnity

Protection against claims of professional negligence in hospitality services.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Hospitality Expertise

Over 10 years arranging insurance for hotels and hospitality businesses.

Tailored Cover

Policies matched to your specific hotel type, size, and operational model.

Claims Support

Dedicated support to help you through the claims process and minimise business disruption.

Market Access

Access to specialist hospitality insurers offering premiums suited to your risk profile.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Independent hotel owners
Guest house operators
Boutique hotel businesses
Hotels with multiple facilities
Businesses with large staff
Premises with high-value furnishings

What We'll Need for Your Quote

1
Hotel address and postcode
2
Number of rooms and guest capacity
3
Type of hotel (boutique, business, resort, etc)
4
Number of staff employed
5
Annual turnover or revenue
6
Facilities offered (restaurant, bar, spa, etc)
7
Security measures and CCTV
8
Any previous claims history
9
Guest review ratings or occupancy rates

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Frequently Asked Questions

What is guest liability cover?

Guest liability protects you against claims from guests injured at your premises. This includes injuries in rooms, common areas, and facilities.

Are guest belongings covered?

Guest belongings are typically the guest's responsibility. However, you may offer optional coverage or safes for valuable items.

What if a guest damages a room?

Damage caused by guests is typically covered under contents insurance, though you may have a policy excess.

Do I need food and beverage cover?

If you operate a restaurant or bar, yes. This includes cover for food poisoning claims and liquor liability.

How much public liability cover do I need?

Most hotels carry £5m-£10m guest liability cover. We will recommend appropriate limits based on your premises and guest numbers.

What about staff working in guest rooms?

Staff working in guest rooms are covered under employers liability. You should have appropriate safeguarding policies in place.

Is business interruption cover essential?

Yes, business interruption cover is highly recommended. It protects your income if you cannot trade due to fire, flood, or other insured events.

What security measures are required?

Most insurers require CCTV in common areas, alarm systems, and secure key management. We can advise on the best security measures.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.