Hotel Insurance

smei has a team of insurance experts who specialise in insurance cover for the Hotels.

Hotels, like The Lawrence Hotel in Padiham, Lancashire (pictured above) 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 insurance to the hospitality industry since 2002, so our experienced, team has the knowledge and expertise to put together a policy to suit your specific requirements.

Our Convenient and Competitive Solution

Although ultimately rewarding, running a hotel can be a time-consuming and often stressful venture. Because we appreciate the value of your free time, we know you don’t want to waste valuable time at the end of a long shift obtaining quotes from a range of providers to cover the various aspects of your business. 

By opting for business 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 for you.  And because each policy is tailored to your individual needs, you won’t end up paying for cover you don’t need.

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

A Comprehensive 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 business insurance for hotels or to obtain a quote, contact SMEi today to discuss your requirements with a member of our friendly, knowledgeable team. 

<sub>Terms and Conditions
* We randomly surveyed 88 policyholders (3.84%) who obtained cover through us between December 2017 and June 2018. 97% made a financial saving by moving to smei, with an average saving of 23.97%. This data excludes commercial and residential insurance for landlords.ords.</sub>

_{** Optional cover may differ dependent upon insurer.}

_{*** Data compared from 94 policies sold between November 2017 and November 2018.}

_{**** Based on 94 policies sold between November 2017 and November 2018, 62 customers paid less than £1900.}