Hotel and Guest House Insurance
If you are running a hotel or a bed and breakfast it is essential that you have Hotel insurance for your business. Trident Business Insurance will help you to find a good deal on your cover at a great price.
- Accidental damage cover
- Loss of licence
- Employers’ liability
- Public liability
- Guest Effects
Hotel Insurance Buildings cover is a very sensible option to choose when insuring your hotel or bed and breakfast as it will ensure the rebuilding cost of your premises is covered in the event of flooding or a fire. As the owner of the property you are responsible for buildings cover for your premises.
Public Liability Cover
Whether you are running a hotel, guest house or a bed and breakfast, public liability cover is vital. This will cover you if a customer is injured on your premises. Public liability cover will also protect you if a customer’s property is damaged on your premises. For example, a customer injures their ankle after having tripped over a cable on your premises. The injured customer, in this example, would be within their rights to sue you because their injury was caused as a result of business activities.
Having good hotel insurance public liability cover ensures that NHS medical costs, compensation payments and any legal fees related to the claim will be covered by your insurance company. Without public liability cover you could have to pay out on the whole claim.
Employers’ Liability Cover
You are legally required to have employers’ liability cover if you employ anyone to work on your premises. If you need to pay compensation to an employee that has been injured or become ill as a direct result of working whilst in your employment. Employers’ liability cover, like public liability cover, ensures that NHS medical costs, compensation payments and any legal lees related to the claim will be covered by your insurance company. This also applies to ex-employees who have been injured or become ill as a direct result of working for you in the past.
Trident Business Insurance will work for you to find the best quote for your hotel insurance so that you can have peace of mind and can continue to be productive as a business.
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