Specialist insurance for hotels Specialist insurance for hotels

Customisable insurance for hotels, motels and guesthouses. Only ever pay for the cover you actually need, so you can focus on delivering a five star service.

Be quote confident. We'll beat the price of any like-for-like quote. T&Cs apply.

Insuring a multitude of hotel businesses

From boutique hotels to motels, inns and guesthouses to serviced apartments, we provide cover for a range of businesses that plump pillows and deliver room service.

Start with public liability insurance, then build your policy from there, only adding the relevant covers you need.

Choose from £1m, £2m, or £5m public liability cover
Add employers' liability, along with a host of other covers if needed
Enjoy 'excellent' rated customer service and claims support
Add or remove covers and adjust your limits, with no extra fees

What type of insurance do hotels need?

Start with public liability insurance (and get just that), or customise your policy to cover additional risks. Always check your quote and policy documents for full details around exclusions, terms and limits of your cover.

Public liability insurance

Public liability insurance is a common cover for businesses that involve contact with members of the public.

Whether it's an injury from tripping on loose carpet to a spilled drink causing damage to your guests mobile phone, everyday moments can sometimes lead to unexpected accidents.

Public liability insurance is designed to cover claims made against you by members of the public for property damage and accidental bodily injury, illness, disease or even death as a result of your work.

Employers' liability insurance

Employers' liability insurance is a legal requirement for most employers in the UK. If you have staff — whether part-time, full-time, permanent, temporary or apprentices — you may have a legal obligation to have this insurance and have an employers' liability insurance certificate to prove it.

Not having employers' liability insurance can result in a fine of up to £2,500 per day for each uninsured day.

From a scald from a coffee machine to a tumble from a step ladder, our employers' liability cover offers a £10 million limit as standard. It also includes 50 days’ cover for temporary employees, who do not need to be registered with us, each year.

Business interruption

Business interruption insurance can reimburse your lost income for up to 18 months following damage to your premises.

It can also cover the additional costs you might face to get your business up and running again.

Equipment insurance

From everyday work essentials, like point-of-sale PDAs, laptops and phones, to specialist kit, all the portable electronic tools you need to perform your job could be protected under business equipment insurance, giving you peace of mind, knowing the items you rely on are covered.

Stock cover

For hotels, stock is more than a room minibar. That’s why we can offer two types of stock cover to help keep things running smoothly.

Deterioration of stock cover can cover for loss or spoilage of refrigerated items if your fridge or freezer breaks down.

General stock cover gives you extra protection for everything from dry goods and fresh produce to bottled drinks and packaged items. When you start your quote, you'll be asked to choose the amount of cover based on the value of your stock. This cover includes key risks like fire, flood and theft, and your premium is based on the limit you select.

Contents cover

This is designed to cover items such as furniture, TVs, freezers or cookers, owned or leased by you at this premises against accidental or malicious damage.

Business contents insurance can cover items like beds, tables and soft furnishings, and pretty much all other stuff in, on or around your premises that you own or are responsible for, including your crockery, glassware and bedding.

One-off events

If you host weddings or have function rooms for bigger events, we could cover those too.

Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.

Hotel insurance claims examples

There are various different types of insurance claim that a pub or bar may have to make, so, depending on the policies you've selected, here are a few examples of specific claims that would be covered by Superscript’s customisable policy:

Slippery floors

A guest slips on a wet floor and injures themselves, even though you put a sign down. Without public liability cover, you could face having to pay legal and compensation costs.

Damaged furniture

A flood causes damage to your rooms, destroying the furniture and bedding. Contents cover should pay for the replacement of the damaged items.

Stolen stock

A robber breaks into your stock room and steals several expensive items. Stock cover should pay for the replacement of items stolen during a robbery.

How do insurance claims work for hotel businesses?

The below is a good guide to the process and timescales you can expect when you need to make a claim under your policy.

If you’re ever unsure whether you can or should claim, it’s best to get in touch and we can let you know.

Notify us of the claim

Contact us by email at claims@gosuperscript.com, by 24/7 freephone on 0800 772 3059 or by logging in to your customer portal.

Ideally this should be done as soon as possible and within 30 days of you becoming aware of anything which you think may be covered by your insurance.

A good indicator of whether or not to let us know is if there’s an issue which may require a payment to be made on your behalf.

We'll get on the case

We’ll acknowledge your claim within 24 hours, and sometimes in as little as 30 minutes! This means you’ll receive email confirmation of your claims reference and contact information should you need to speak to us.

We will then reach out to you within 48 hours to request any extra information we need to progress your claim.

We’ll keep you updated on the next steps as the claim progresses.

A decision is made

We’ll let you know if your claim is successful or not. If your claim isn’t covered, we will always try to point you in the right direction and support you as best we can in getting back to normal.

Read about the most common reasons claims aren't paid.

If your claim is successful, once we have all the documents we need, we will aim to settle claims such as accidental damage, theft and lost equipment within five working days.

Hotel insurance FAQs

How much does insurance cost for my hotel?

This depends on the level and types of cover you choose for your business.

Public liability cover is often considered important, but it's not a legal requirement. Most hotels will, however, be required to hold employers' liability cover.

Depending on the size of your hotel, motel or inn, you may wish to also consider other covers, including:

What insurance do hoteliers need?

Most business insurance is optional rather than mandatory. An exception to this is employers' liability cover, which is a legal requirement for most businesses with employees.

Despite this, the majority of businesses that have lots of contact with customers consider public liability insurance important, as many would be unable to afford an uninsured claim.

What does public liability insurance cover for hotels?

If a customer tripped on some loose carpet, injuring themselves, or if their property is accidentally damaged, for example, public liability insurance should cover this.

Can I insure my specialist equipment?

Yes, if you have business equipment cover then your specialist gear such as DJ decks, LED lights, sound systems and projectors can be insured up to a specified limit.

Can I insure my hotel for special, one-off events?

Yes, Superscript can arrange specialist insurance to cover one-off events either hosted at, or promoted by your hotel business.

Anything else I should know about this cover?

There are always situations that business insurance cannot cover. Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.

Individual cover purchased online is offered on a standardised, non-advised basis and is not bespoke. Terms, conditions and coverage limits are predetermined by the Underwriter. If you require bespoke coverage offered on an advised basis, please contact our in-house broking team.

Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.

A-rated financial strength

Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).

Protected by the FSCS

If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.