hotel insurance

Hotel Insurance

Smei has a Team of Insurance Experts Who Specialise in Insurance for Hotels

Hotels can be busy places, bustling with guests, staff, and suppliers. As there is so much going on you may face increased risks and challenges, which is why it’s essential to have the right insurance policy in place to protect your business should the unforeseen happen.

Although we can’t prevent accidents from occurring, we can make sure you have comprehensive cover in place. Here at smei, we’ve been providing hotel and guest house insurance since 2002, so our experienced, team has the knowledge and expertise to put together a policy to suit your specific requirements.

You Could Save Over 30%*

Contact our team to receive a no obligation, instant quote today.

91% of our customers would recommend our service

Standard Covers**

  • Accidental damage.

  • Book debts/account receivable.

  • Business interruption.

  • Contents insurance.

  • Employers' liability.

  • Glass.

  • Money in safe.

  • Money on premises.

  • Public and products liability.

Optional Covers**

  • Embedded breakdown.

  • Goods in transit.

  • Legal expenses.

  • Loss of rent receivable.

  • Subsidence.

  • Tenants improvements.

  • Terrorism.

Premiums from as little as

£1115 .93
In the past 12 months our customers have paid as little as £1,115.93 per annum for hotel insurance.

50% of our hotel customers paid less than £3,147.84 per annum.***

Our Convenient and Competitive Insurance for Hotels

Although ultimately rewarding, running a hotel or guest house can be a time-consuming and often stressful venture. We appreciate the value of your free time and know that you don’t want to waste valuable time at the end of a long shift obtaining quotes from a range of insurance providers.

By opting for hotel insurance from smei, you can rest assured that your hotel is in safe hands. As a specialist insurance broker, we have a choice of products from a range of leading UK insurers, and we do all the hard work to put together a single solution specifically designed for your business. Each policy is tailored to your individual needs, so you won’t end up paying for cover you don’t need.

To discuss your hotel insurance requirements, or to obtain a quote, call a member of our friendly team today and we can create a solution especially for you.

A Comprehensive Hotel Business Insurance Solution

Our business insurance for hotels includes:

Public liability insurance

To give you financial peace of mind in case a member of the public is injured or their property is damaged while on your premises.

Employers liability insurance

If you employ staff at your hotel, you’re legally required to have employers liability insurance in case they make a claim for injury or illness while working for you.

Contents insurance

Contents insurance covers all the fixtures and fittings you’ve purchased to make your hotel a comfortable place to stay, such as furniture, lamps, decorations, bathroom and kitchen fittings, etc. You should also include guests’ contents so their belongings are covered in the event of fire, flood, or theft.

Business interruption

If your hotel is unable to fully operate due to repairs or if a supplier goes out of business, business interruption will help to reimburse you for loss of income and cover your overheads.

Buildings cover

Your building is your most expensive asset – without it you have no business – so you need cover in case of fire, theft, flood, or accidental damage.

Financial cover

To protect money on your premises, including money kept in a safe.

There are also a number of optional covers you can include, including subsidence, legal expenses, goods in transit, tenants improvements, and terrorism.

To find out more about our specialised guest house and hotel insurance or to obtain a quote, contact smei today to discuss your requirements with a member of our knowledgeable team.

As well as hotel and guest house insurance, smei also provide a specialist bed and breakfast insurance.

* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

*** Data compared from 63 policies sold in 2022. 17 customers paid as little as £1115.93.

91% of our customers would recommend our service

Excellent service, knowledgeable staff, just can't fault...Well done!

Joe Skinner

Quotes from well-known and specialist insurers, including:

Insurers smei work with

You Could Save Over 30%*