Hotel Insurance – What You Need To Know!
Hotel Insurance
You know that the hotel industry can be a roller coaster ride. Local events, currency fluctuations, inclement weather, the health of the economy and the affordability of travel all influence hotel occupancy rates.
It is important that you fortify your business operations by purchasing the right hotel insurance policy. It is important that you have the right hotel insurance, and that it leaves leaves no holes that expose you, your business or your employees.
Protect Your Hotel
Hotels come in all shapes and sizes; the industry has a tremendous range. A one-size-fits-all hotel policy will inevitably leave gaps in your cover which expose you. A bespoke policy is best to make sure your specific risks are acknowledged and minimised.
Hotel insurance policies are usually composite, consisting of several core covers and a variety of industry-specific and optional covers. In this article we run through the main options and offer a little explanation to assist.
Hotel Cover
Insurers will typically include the following covers in their core hotel policies:
Buildings insures property such as the hotel, annexes, garages, small outside buildings, walls, gates and fences.
Contents covers items within hotels such as furniture, furnishings, equipment, stock and machinery.
Employee protection pays expenses associated with your employees’ death, loss of limb(s), loss of sight, temporary total disablement, and clothing and personal effects.
Business interruption recoups any loss of business income due to damage covered under your contents or buildings cover.
Business liability contains employers’ liability, public liability, products liability and guests’ property liability (including motor vehicles in hotel garages or car parks which are securely locked overnight).
Legal expenses helps pay the costs associated with defending or pursuing certain legal actions such as contract disputes, employment disputes or prosecution defence.
Contact Edison Ives Insurance Solutions today or call on 0113 3904646 for more information.

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Quick Guide
Hotel Insurance: Optional Covers
Core covers may be supplemented with optional covers to protect your business against all insurable perils. This list is only a small sampling of the available optional covers:
- Cost of obtaining alternative accommodation for guests
- Guests’ and customers’ personal effects and valuables
- Loss of attraction
- Computer breakdown
- Equipment breakdown
- Employee theft
- Terrorism
Hotel Insurance: Exclusions
Despite the inclusive nature of hotel insurance policies, there are still exclusions that insurers will generally look to exclude. The following is typically excluded:
- Stock shortages
- Computer or data processing equipment operator error
- Computer virus or hacking (cover available under a separate cyber package)
- Terrorism (cover available as an optional extra)
- Theft of goods while in transit unless the vehicle is securely locked
- Theft by the insured or resident manager (or member of your family)
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Fantastic service from Maria and Ged at Edison Ives. Professional, friendly and courteous service, well done!
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Would highly recommend Edison Ives, we have been working with them for our own policies as well as policies for clients. Everyone is so helpful. We recently needed an office insurance policy and Tim arranged for this to be sorted the same day for us. Thanks again!
I spoke to Gobind Suryavansi who was brilliant from the go. I was pleasantly surprised with the amount of time he spent with me to ensure that the policy was tailored to my needs and that I understood what I was covered for. It was so refreshing speaking to a professional, who made the process so smooth and left me feeling very confident that I was covered in the event of a claim. Your a credit to the company and I will definitely be recommending you to my friends and family. Thanks again Gobind
I have used Edison Ives twice in the past 6 months, dealing with Sarah Parnell, I have to say dealing with Sarah was a refreshing expereance based on dealings with other insurance Company's. Sarah is committed to Quality customer service and supplying the best product for the customer
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I dealt with Gobind for our Liability Insurance. He was very professional. Quick to reply with any queries. He made the whole process very easy.
Gobind was very helpful, he understood what I needed for my insurance and was very quick to get me the quote I was after.
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My husband just set up his first business and as many can relate to its very overwhelming with all the things needed to do including insurance. I looked around and dealt with a couple other companies which in comparison were a nightmare.
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I spent months trying to find bespoke insurance cover for my small food business but kept getting really bad service, no information and refusal with no explanation. I’d almost lost hope but then I got through to Tony from Edison Ives and he was incredible. Not only did he spend the time to explain things thoroughly, he went out of his way to help me find the right insurance policy for my business. I’m a super happy customer and would Highly recommend! Thank you so so much.
I was let down by another insurance broker at 5 o'clock on a Monday night with a project mobilizing on the Wednesday morning for which I had to have Rope access insurance for at £10M ELI/PLI.
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I have been dealing with Edison Ives for a couple of years and fined that both Tony & Ged have in depth knowledge of the insurance required all the Staff are very friendly & always helpful we have developed a great working relationship which will continue for many years.
Edison Ives have provided me with a high standard of customer care and attention. Sarah and the team advised and sourced insurance cover that ensured our business properties and clients obtained a high level of service and value for money.
We have held our Fleet and Professional Indemnity insurances with Edison Ives for a couple of years now and the service has always been second to none.
Sarah and the team respond promptly to any queries and we have always found them to be extremely helpful and understanding of our business needs.
We would not hesitate to recommend Edison Ives to any prospective customers.
Thank you.
Clever Energy Boilers
Great Service as always from Sarah at Edison Ives. They provide an excellent, professional service for our Buildings and Contents insurance at our two Sites. Always a pleasure to deal with and nothing is ever too much trouble.
Dave Hill - Navigation Wealth Management
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Very Professional and always goes the extra mile to get you the best deals. We have switched all our business and fleet to Edison Ives. Saved our company money, Brilliant Service and very helpful. Tony is excellent! Would highly recommend.
Gobind is extremely helpful and knowledgeable. He went above and beyond to arrange the cover we needed and I have no hesitation in recommending him.
Excellent follow up with all queries covered.
Extremely helpful and at very competitive cost
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