Hotel Insurance

At Terry Osborne Insurance Services Limited we offer tailor made policies designed to cover every aspect of your business.   Our definition of a hotel is a business providing over 8 letting rooms.  From a small stylish boutique hotel to those with facilities such as swimming pools, golf courses and fitness rooms, we can make a policy to be as unique as you are.

We can arrange a comprehensive insurance package for hotels combining liability cover with property insurance, legal protection, cover for guest belongings and much more.  Ensuring that the right policy has been purchased is crucial to ensure that any claims have the minimum affect as possible on your business.  In the day to day running of a hospitality business we are aware that there is a potential risk that the hotelier will need to protect themselves, be it from guests having an accident on the premises, a bathroom being flooded or even staff injuring themselves during the course of their duties.

Call 01622 745297

At Terry Osborne Insurance Services Limited we have a vast range of underwriters who we are able to approach to adapt and provide a range of hotel insurance solutions that can cater for almost any establishment whether large or small.

In most cases a bespoke hotel insurance package will always shine above a standard ‘off the shelf’ package insurance policy as the policy is tailored to meet your individual requirements. We work together with the Underwriters to ensure that the cover provided is adequate for your particular premises as venues with the following may require additional cover than a standard hotel:

  • Hotels with leisure facilities
  • Listed Buildings
  • Hotels with conference facilities and function rooms

At the quote stage we endeavour to ask as many questions as we can to gain an insight to your establishment.  Knowing how your business operates will allow us to tailor our hotel insurance recommendations and with our extensive panel of insurers we can ensure that our policies are able to adapt with your changing business needs.

Whatever type of Hotel establishment you own or manage, call us today for a Free No Obligation quotation

Premiums from as little as

In the past 12 months our customers have paid as little as £1,299*** per annum for hotel insurance.

64%**** of our hotel customers paid less than £1,500 per annum in the past 12 months.

Example hotel insurance policy cover

  • Buildings Cover (This should represent the re-building cost of the building and any additional cost to be considered in the event of a total loss, it is especially important to bear this in mind with listed buildings as you may incur unusual planning requirements or longer re-building time scales)

  • Tenants Improvements – Min of £5,000

  • Fixtures and Fittings

  • Domestic Contents – Personal Possessions not included

  • General Stock – (beer, alcopops, soft drinks and dry stock)

  • Wines and Spirits

  • Money Cover – Subject to Safe Details

  • Electronic Business Equipment

  • Business Interruption – Based on Turnover and Building Listing

  • Frozen Foods

  • Guest Effects

  • Glass Cover

  • Loss of Licence – £100,000 (set sum insured)

  • Public Liability Insurance – £2,000,000 (can be increased to £5,000,000 if required by the local authority for outside seating)

  • Employers Liability Insurance – £10,000,000 (Set Sum Insured)

  • Legal Expenses – Optional

Call 01622 745 297

Ask us for a free, no obligation quotation.