Guest House & Hotel


Target Market
Our Guest House & Hotel product is underwritten by Tokio Marine HCC and is suitable for bed and breakfasts, guest houses and hotels that have up to 30 bedrooms*.
This is a material damage and liability package product that provides insurance cover for buildings, contents, stock, business interruption, money, goods in transit, and book debts combined with public, products and employers’ liability insurance.

In addition, the product also provides the option to cover legal expenses and terrorism cover. The product is not suitable for Guest Houses &/Or Hotels that operate with a late licence more than twice a week and/or have a staging area and/or a have a dance floor used outside of private functions.

*Larger hotels can be considered upon referral.

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