Hotel and Guest House Insurance
Cover for buildings and contents, as well as stock deterioration, business interruption and public liability.
Features and Benefits
- Quotes sourced from a panel of insurers
- Tailor your cover to fit your needs
Whether you run a bed and breakfast, boutique hotel or guest house, tailor insurance to your requirements.
- Protect your business
Buildings, contents, stock and business interruption insurance can be included in addition to public and employers’ liability. Cover can also be provided for personal belongings of guests and owners.
- Advice from Insurance Specialists
Dedicated, UK-based advisers are committed to helping you get the right cover for your business.
Keep in Mind
- To offer this insurance service, we work with Arthur J. Gallagher Insurance Brokers Limited, one of the UK’s largest insurance brokers. Arthur J. Gallagher will search a panel of insurance providers for quotes tailored to your business’ insurance needs.
- Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.
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Cover can vary depending on your individual needs, but commonly include:
Material/property damage
As a hotel or guest house owner, bricks and mortar remain essential to your business. Cover available to protect buildings, fixed glass, contents and stock.
Guest’s effects
This can provide you with cover for personal effects belonging to your guests for which you are responsible up to agreed/policy limits.
Loss of licence
Profit derived from the sale of alcohol may be important to your business. Loss of licence insurance can protect you for loss of profit, and additional expenses incurred, in the event of your liquor licence being revoked due to insured causes beyond your control.
Business interruption
Covers financial losses resulting from loss of, or damage to, property by an insured peril.
Public liability
When accidents happen, your business could be responsible for paying compensation under many circumstances. Public liability insurance can cover compensation and claimants costs in respect of accidental injury to third parties or damage to their property.
Public liability insurance can also cover an accident in your work area or relating to your business activities. This includes incidents on your premises, as well as those that occur while doing business offsite.
Employers’ liability
Covers legal liability for death or injury to employees caused in the course of their employment.
Please note this is not a comprehensive list. Additional covers are available to ensure your business is suitably protected.
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Hotel insurance is designed to cover the risks associated with running a hotel, bed & breakfast or guest house.
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Arthur J. Gallagher will search a panel of insurance providers for quotes tailored to your business’ insurance needs.
A few quick details are needed to provide a quote over the phone to find policies suitable for you. Once policies are selected, you’ll get the policy details to review. You won’t have to make any decisions about whether to proceed until after you see the policy detail.
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Important Legal Information
Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.
The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.
Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.
We adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk.
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.