Hotel Insurance from smei

Hotel Insurance

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

Get a fast, no obligation quote which could save you over 20%* 0330 134 4564 Get a quote

Hotel Insurance

smei has a team of insurance experts who specialise in insurance for 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 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 20% With Us*

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

Phone lines are available Mon-Fri: 9am - 5pm

Quote Line: 0330 134 4564

Standard Covers**

  • Contents insurance.

  • Accidental damage.

  • Glass.

  • Business interruption.

  • Employers' liability.

  • Public and products liability.

  • Book debts/account receivable.

  • Money in safe.

  • Money on premises.

Optional Covers**

  • Legal expenses.

  • Subsidence.

  • Loss of rent receivable.

  • Tenants improvements.

  • Terrorism.

  • Embedded breakdown.

  • Goods in transit.

Premiums from as little as £616.00

In the past 12 months our customers have paid as little as £616.00 per annum for hotel insurance.

50% of our hotel customers paid less than £1,456.76 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.

** Optional cover may differ dependent upon insurer.

*** Data compared from 47 policies sold in 2020.


We have flexible payment options like monthly direct debits, however if you wish to pay up front you can use credit/debit cards, BACS, and American Express.


If something about your business or property changes, you may need to amend your policy. We can make the changes over the phone and update your cover as necessary. For example, if you wanted to fit an ATM machine in your shop, you should call us to check how it affects your insurance policy. It is always worth calling to check how changes to your business might affect your cover. Some alterations may increase your risk factors and if you have to make a claim, you might have voided your policy by not informing us of changes.


Having a previous clam doesn’t necessarily mean you can’t be covered. New policies are done on a case-by-case basis, therefore please call us on 0330 134 4564 to discuss your circumstances.


We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. The Lawrence Hotel in Padiham, Lancashire is one of our high street heroes. Visit their website:

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Existing Customers
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