Commercial Express

The Value Added MGA

01384 473021

Guest House & Hotel


From a small family run guesthouse to larger hotels, we can offer a comprehensive policy to suit every hotelier and B&B owner. Get the cover you need with our Guest House & Hotel Policy.

Features & Benefits

  • Stock cover
  • Contents cover
  • Business Interruption
  • Money
  • Goods in Transit
  • Book Debts
  • Frozen Food
  • Employer’s Liability
  • Public & Products Liability
  • Loss of Metered Water £2,500 any one claim, maximum £5,000 anyone period of insurance
  • Landscaped gardens - following damage by emergency services £1,000 in anyone period of insurance

  • Trace and Access up to £2,500
  • Capital Additions - 10% of the building sum insured or £250,000 whichever is less. 10% of trade contents for fixtures and fittings or £100,000 whichever is less
  • Replacement of locks and keys following theft or damage £1,000 anyone claim
  • Seasonal Increase - the stock is increased by 25% during the months of November and December and the first 14 days of January
  • Rent Payable - up to 25% of the contents sum insured
  • Rent Receivable
  • Damage to garden furniture – Up to a maximum of £500 any one claim including theft

Optional Extras

  • Buildings cover available as an optional extension
  • Household Goods available up to a limit of £20,000
  • Loss of licence available up to a limit of £100,000
  • All Risks – UK or Worldwide available as an optional extension
  • Legal Expenses as an optional extension
  • Terrorism is available as an optional extra