Hotels Insurance
Protect your hotel from guest injury claims, property damage and business interruption with cover designed for the accommodation sector.
Get in touchWhat is hotels insurance?
Hotels insurance is a specialist policy that protects hotels from the risks of serving customers, managing premises and employing staff. It typically includes public liability, employers liability and buildings and contents cover.
Running a hotel business involves risks from food safety and customer injuries to property damage and staff claims. The right insurance means a single incident will not shut your doors.
Find insurers who understand the hospitality and food sector, so your cover reflects the specific risks your hotel business faces.
Public Liability
Covers claims from guests and visitors for injury or property damage at your hotel.
Employers Liability
Required by law if you employ anyone, covering employee injury or illness claims.
Buildings and Contents
Covers your hotel building, guest rooms, furnishings and equipment.
Business Interruption
Covers lost income if your hotel cannot operate due to fire, flood or other insured events.
Who needs hotels insurance?
Boutique hotels
Operating a small, independently run hotel
Country house hotels
Running a rural hotel with grounds and event facilities
City centre hotels
Operating a hotel in an urban location
Budget hotels
Providing affordable accommodation
Serviced apartments
Operating serviced apartment accommodation
WHY CECIL
Built differently.
Guest safety cover
Hotels have a duty of care to guests around the clock. Cecil finds insurers who cover the full range of risks associated with overnight accommodation.
Buildings cover for hotel premises
Hotel buildings and their contents represent substantial value. Cecil ensures your property cover reflects the true replacement cost.
Business interruption protection
If your hotel is forced to close, the financial impact is immediate. Cecil includes business interruption to cover your lost revenue during closure.
Competitive quotes for all hotel types
From boutique B and Bs to city centre hotels, Get your cover options from hospitality insurance specialists.
Common questions about hotels insurance
Do hotels need public liability insurance?
Yes, public liability is essential for hotels. Guests can be injured on your premises at any time, and the duty of care for overnight accommodation is high.
Does hotel insurance cover guest belongings?
Some policies include cover for guests' property while on your premises. Cecil can check whether this is included or available as an option.
Do hotels need business interruption insurance?
Business interruption is strongly recommended for hotels. If a fire or flood closes your hotel, this cover replaces your lost income during the closure period.
What level of public liability do hotels need?
Most hotels carry between £5m and £10m of public liability cover depending on size and facilities.
Does hotel insurance cover event hosting?
If you host weddings, conferences or events, make sure your insurer knows. Additional cover may be needed for these activities.
Interested in Hotels insurance?
We will be in contact when Cecil launches.