Insurance for Hotels

Hotels can be busy places, bustling with guests, staff, and suppliers. As there’s so much going on you may face increased risk management challenges, which is why it’s essential to have the right hotels 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 insurance for hotels, guest houses and B&Bs since 2002. So our experienced, team of insurance brokers has the knowledge and expertise to put together a policy to suit your specific requirements.

Key features and benefits

Premiums from £1050 per year.*
Quotes from a panel of A-rated insurers.
Single, flexible policy — tailor made to suit your requirements.
Dedicated adviser throughout your policy.
No midterm amendment fees should you need to make a change.
Access to a 24-hour legal helpline.
Dedicated claims team.
Flexible payment options including direct debit.
Access to documents anytime, anywhere via our secure portal.

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Get tailored hotel insurance cover today.

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What Hotel Insurance Do you Need?

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.

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. This insurance can also provide cover for legal costs too.

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, or another insured event occurs, business interruption insurance can 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 buildings insurance 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 get 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.

You Could Save Over 30%*

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

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Premiums from as little as

£1,050

In the last 12 months our customers have paid as little as £1,050 per annum for hotel / B&B insurance. That's just £20 per week!

50% of our hotel / B&B customers paid less than £4.865 per annum.***

Accidental damage.
Book debts/account receivable.
Business interruption.
Buildings cover.
Contents insurance.
Employers liability.
Glass.
Money in safe.
Money on premises.
Public and products liability.

Embedded breakdown.
Cyber and data.
Goods in transit.
Legal expenses.
Loss of licence.
Loss of rent receivable.
Subsidence.
Tenants improvements.
Terrorism.

* Please click here to view our pricing disclaimer.

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

*** Data compared from 173 policies sold in 2023. 59 customers paid £1,050 or less, which represents 34%. £20 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.

Hotel Insurance Frequently Asked Questions

There’s a lot to think about when running a hotel – a customer may get injured on your premises, your property may get damaged, there’s the risk of flood or fire – the list goes on. We want to ensure you have the correct cover in place to put your mind at ease should something go wrong.

The cost of your hotel insurance will depend on several factors, such as the size of your business and its location. We’ll provide you with a range of quotations from our panel of A- rated insurers and will help you choose the right policy for you, at the right price.

Yes, we can provide quotations to cover your business premises, just mention this to your adviser and they’ll make sure it is included.