Operating a hotel involves managing a range of risks, from guest safety and property damage to employee liability and business interruptions. Hotel Insurance is designed to provide comprehensive protection for your hotel, ensuring that all aspects of your business are covered. Becks Insurance Brokers offers tailored Hotel Insurance policies that safeguard your property, staff, and guests, allowing you to focus on delivering exceptional service without worrying about potential risks.

Why Hotel Insurance is Essential

Features and Benefits

• Property Insurance: Covers damage to your hotel’s buildings, contents, and equipment caused by fire, theft, vandalism, or natural disasters. This ensures that your property is protected and can be quickly restored in the event of damage.

• Public Liability Insurance: Protects your hotel against claims made by guests or visitors who suffer injury or property damage while on your premises. This cover includes legal fees and compensation costs, helping to protect your hotel’s reputation and financial stability.

• Employers' Liability Insurance: Mandatory for hotels with staff, this cover protects against claims made by employees who are injured or become ill as a result of their work. It ensures compliance with legal requirements and provides peace of mind to your staff.

• Business Interruption Insurance: Provides financial support if an insured event, such as a fire or flood, disrupts your hotel’s operations. This cover helps to compensate for lost income and additional expenses needed to resume normal business activities.

• Guest Effects Insurance: Covers the personal belongings of your guests while they are staying at your hotel. This protection helps maintain guest satisfaction and trust in your establishment.

• Food and Beverage Liability: Protects against claims arising from food poisoning or allergic reactions caused by food or beverages served at your hotel. This cover is essential for hotels with dining facilities.

What is Typically Covered?

Comprehensive Protection for Your Hotel
Hotel Insurance typically covers a wide range of risks associated with operating a hotel:

• Damage to Buildings and Contents: Coverage for physical damage to your hotel’s property, including guest rooms, common areas, and operational equipment.

• Injury or Property Damage Claims: Protection against claims made by guests or visitors who are injured or suffer property damage while on your premises.

• Employee Injury Claims: Coverage for claims made by employees for work-related injuries or illnesses, ensuring your staff is protected.

• Loss of Income: Compensation for lost income and additional operating expenses if your hotel’s operations are disrupted due to an insured event.

• Legal Expenses: Coverage for legal costs associated with defending claims related to injuries, property damage, or employment disputes.

Exclusions: While Hotel Insurance provides broad protection, certain exclusions may apply, such as:

• Wear and Tear: Normal wear and tear or gradual deterioration of property is typically not covered.

• Intentional Acts: Losses resulting from deliberate or illegal actions by management or staff are excluded.

• Uninsured Perils: Certain events, such as acts of terrorism or war, may not be covered unless specifically included in the policy.

• Pandemic-Related Losses: Coverage for losses related to pandemics may be limited unless specifically included in the policy.

Why Choose Becks Insurance Brokers?

Becks Insurance Brokers understands the unique risks faced by hotels and offers tailored insurance solutions to meet your specific needs. Our brokers work with leading insurers to provide comprehensive coverage that protects your hotel, staff, and guests. We offer personalised service and expert advice to ensure your hotel is fully protected against potential risks.

Get a Quote Today

Protect your hotel with comprehensive insurance from Becks Insurance Brokers. Book an appointment here or request a quote by completing our online form here. Our team is ready to help you secure the right cover for your hotel.