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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I have to say that Tony Suryavansi from Edison Ives not only gave us the lowest quote for the insurance on the building in which our flats are located but also was incredibly helpful and supportive. So there was no question that we would choose the insurance he proposed and we look forward to working with him again next year,

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For the first time in many, many years I had to make a claim when a tenant left one of my properties having damaged an expensive front door. Nikki handled the claim efficiently and quickly, and RSA were also quick and ready to approve the claim. Great service - thank you

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I can’t recommend Edison Ives highly enough

Gary did an amazing job for our building saving us over £15k in our renewal premium that was quoted by our old broker. They have made the entire process of switching very simple and efficient. I can’t recommend Edison Ives highly enough.

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After spending several weeks looking for insurance and not managing to find anything suitable I finally found Edison Ives. Tony took the time to listen to my business insurance needs and find appropriate and reasonable insurance for us. His customer service was fantastic and he explained everything fully so I know exactly what we are covered for. I have already recommended them to friends and will definitely be using them again.

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This year, Paul Blyth looked after me. It felt like Paul knew straight away I didn't want anyone to waste my time. He got straight to the point, pointing out the most important things in my cover which I knew about....but it was nice that it was brought to my attention....whereas other insurance company didn't even mention these points. Hence I say I felt looked after by Edison Ives.

MML Reviews
Exceptional Advice

We have been in business for 40 years and in that time I have dealt with numerous insurance brokers, in obtaining guest house insurance. However I must say that if have found Paul Blythe of Edison Ives exceptional in the level of advice and overall helpfulness. The policy price that he negotiated was very competitive and he managed to obtain a longer unoccupation of our business than normal. He is a man on top of his job and I was more than pleased to place my next policy with his company. I would urge anyone seeking business insurance to at least give Paul an opportunity to quote.

The Jays Guest House
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We needed Public Liability Insurance and we were given Edison Ives contact details we spoke to Gary Thorner he was excellent answered all our questions and gave us 3 options. We highly recommend this company. Dyers Quality Joinery LTD.

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First Class Personal Service

I am a Director of a RTM and am responsible for the maintenance of an apartment block of 12 flats. Our building insurance is due for renewal and I contacted Gary Thorner to obtain a quotation. We spoke on the telephone initially and it was reassuring to speak to somebody who was knowledgeable, able to answer my queries and provide good advice. I received a detailed quotation shortly thereafter, which I shall accept. A first class personal service, and the most competitive quote out of the three I obtained.

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A fantastic company to deal with. Not only were they extremely efficient and provided a number of quotes which were cheaper than the current insurer of our block of flats, but everything was arranged in a timely and friendly manner and whatever was promised in terms of communication and updates was delivered ahead of time. In particular, Gary provided information and practical advice in a friendly, very professional manner without any pressure whatsoever. I would recommend this company and Gary without any hesitation whatsoever and look forward to continuing to do business with them in the future.

Dave T
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Cannot thank Gobind enough for arranging Landlord Insurance so quickly for us with a next day renewal date. He went above and beyond to get us a cheaper, but equally comprehensive policy and to start that night. Would definitely recommend Edison Ives.

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Strongly Recommend

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Landlord Insurance

Cannot thank Gobind enough for arranging Landlord Insurance so quickly for us with a next day renewal date. He went above and beyond to get us a cheaper, but equally comprehensive policy and to start that night. Would definitely recommend Edison Ives.

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Special shout out to Gary for putting some policies on for me very quickly.

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Prep N Finish
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