Running a small hotel or guest house usually means sharing your home with guests and providing the personal touch that a larger hotel does not offer. However, you will need to consider whether you have the right insurance cover in place. We often find that people think their business activities are covered under their home policies such as Household as they are run from home, which is not the case.
Our specialist team have over 15 years’ experience and pride themselves on building long lasting relationships with clients. Our policies include all of the covers necessary for participation in the VisitBritain Hotel (Star), Guests Accommodation (Diamond) and Self-Catering Accommodation schemes and the equivalent AA and RAC schemes.
We can provide cover for a range of accommodation providers including:
- Air BnB
- Conventional Bed & Breakfast
- Guest Houses
- Self-Catering Accommodation
- Holiday Homes
Public and Products Liability:
Working in the hospitality industry means you can be exposed to risks surrounding the general public. Public Liability insurance provides financial protection in the event that someone takes legal action against you for damage to property or injury sustained by a visitor or guest on your premises, for example, if they sustain food poisoning or trip on a carpet.
Running a business means being responsible for your staff in the workplace. Whether they are full or part time, permanent, temporary or voluntary, you are legally obliged to take out Employers’ Liability insurance, which protects your employees if they suffer an injury or loss as a result of your negligence.
Loss of Income:
In the event you are unable to run your business because of an event outside of your control such as a fire, this policy will cover your loss of income, making sure you are not left out of pocket.
Your policy can provide you with the cover for the theft of any business or personal money from your premises, and it also extends to any of your family members who permanently live with you at the property.
If someone takes legal action against you or your company Legal Expenses cover will support you in the cost of going to court.
If you accept on-line bookings, even through a third party provider, you should consider Cyber insurance, as your business could be severely affected if your guests’ personal data is breached or your future bookings are lost as a result of a hacker.
Cover Can Include:
- Crisis Containment
- Cover For Ransomware
- Social Engineering
- Telephone Hacking/Phreaking: