Hotels are relatively high risk insurance environments. The scope for disaster of varying scales is huge when you take into account all the possibilities involved in accommodating, feeding and entertaining a large number of strangers under the same roof.
Fortunately, hotel insurance is there to smooth things out on those occasions when bad luck strikes or when even the most careful of management is caught out for one reason or another.
Here at Q4 Insure we appreciate that no two tourism or hospitality related businesses are the same. The needs of a small rural bed and breakfast business, for instance, are going to be vastly different to those of a large city centre hotel or a seaside guesthouse with a table
licence.
The basic cover for the vast majority of hotel insurance policies comprises cover for business interruption caused by insurable events, money, loss or damage of contents by an insured event, employer’s liability and public and products liability including legal expenses. However, it is a straightforward matter when arranging the cover to go for optional extras in order to expand your protection levels.
Among the extras usually on offer are:
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Buildings insurance for accidental damage
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Protection for loss or damage incurred by
computer breakdown or failure
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Cover against loss or damage to your premises
caused by subsidence
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Theft of money or goods by employees
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Protection against loss of entertainment or
liquor licence
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Insurance to meet loss or damage as a
consequence of terrorism acts.
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Consequential loss protection against hotel
incidences of infectious diseases, Legionnaires’ Disease,
murder or suicide, actual or attempted.
Don’t delay, get a no obligation quote today and see how much you can save. After all, the UK insurance market is a very competitive arena and no one can afford to renew hotel insurance without checking what’s on offer elsewhere.
