Hotels & Guest Houses

These days, operating a hotel or guest house makes you responsible for serving and satisfying the needs of a wide range of customers. While many of these needs are similar, you can never lose sight of the fact that each guest is unique and must be treated as an individual.

As an Insurance Broker it is essential we follow similar standards in meeting the insurance requirements of our customers. That is why we have put together a panel of leading Insurance companies who are able to offer the service that we feel you deserve.

Even the finest run businesses can be gravely disrupted by an unexpected disaster. For example a storm damages the roof of your property and causes water damage to your carpets and equipment. At such a time the last thing that you want to worry about is whether your policy will provide adequate cover.

A hotel & guest house policy is built around a core of standard covers, including

• Contents - Your stock and trade fixtures & fittings protected against loss or damage.
• Business Interruption - Protects your income if your business turnover falls after a claim.
• Glass - Breakage of glass and sanitary fittings
• Liability - Covers your legal liability to both employees and members of the general public.

There is also a wide range of additional covers that can be included in the policy, these include:

• Buildings - Choice of "Specified Risks" or "All Risks" cover and Subsidence Cover.
• All Risks - For specified items of equipment.
• Guests Personal Belongings - Covers against theft whilst in your custody or control.
• Frozen Foods - Covers deterioration following breakdown of refrigeration units or accidental failure of the electricity supply.
• Loss of Licence - Covers depreciation in your interest in the business resulting from withdrawal or non-renewal of your liquor licence.

If your policy is due for renewal and you would like a quotation please contact us