Hotel, Guest House and B&B Insurance

Hotel, Guest House and B&B Insurance

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Hotel Insurance

Hotel Insurance

Hotels are busy places and here at C & D Insurance, we understand that your staff and guests are your priority which is why we make sure getting the right insurance protections in place as easy as possible. From the stock in the walk-in fridge freezer, to cover for trips and falls or damage to property from guests our team of insurance specialists can guide you through which insurances you’ll benefit from at your hotel, guest house or B&B.

What Insurance does a Hotel Need?

We offer a range of insurance covers which your hotel may find invaluable.

Public Liability Insurance. Hotels are businesses that spend a large part of their operation interacting with members of the public, which means that they are at a greater at risk of claims being made against them should anyone be injured, or their property damaged as a result of your business activity.
Business Buildings and Contents cover: Building and contents cover for your hotel will cover the cost of any repairs required due to damage, flood, fire or other risks. The hotel building is an essential part of your business after all, and guests can often be careless.
Employers’ Liability Insurance: This is a legal requirement for any business which employs staff, be they permanent, part-time, temporary or even seasonal staff. This covers any claims made by your staff should they be injured as a result of working for you.

Additional covers that your hotel may find useful include.

   Revenue protection/interrupted business
   Loss of licence
   Fixtures, fittings and general contents
   External signs and blinds
   Legal expenses
   Buildings and/or tenants’ improvements (depending on whether you own or rent your Hotel/Guest House premises)
   Consumer goods and stock

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Why choose C & D Insurance for your Hotel insurance?

At C & D Insurance, we understand the importance of insuring your Hotel, guest house or B+B correctly. That is why we have a large panel of insurers to enable us to help you find the right policies to meet your individual property needs.

Our quick and easy approach to creating a tailor-made insurance package means you can rest assured you have the right covers in place, at a great price. Whether it’s Hotel Insurance, Bed & Breakfast insurance, Guest House insurance or Hospitality insurance, you can rely on C & D Insurance to find a competitive price while providing exceptional customer service.

   Over 75 years experience insuring hotels, guest houses and B&Bs
   Specialist team of qualified insurance professionals
   24 hour claims line
   Quick turnaround times
   No call centres
   Flexible payment options available

If you run a business or own a property where you accommodate paying guests then you require hotel insurance, guest house insurance or B&B insurance. The difference in these policies is usually decided on the number of rooms at the property, sell alcohol on the premises, host weddings or have a restaurant that is open to the public.

When you are looking for insurance for your Hotel or Guest House trying to find quality cover with peace of mind can be time-consuming which is why C & D Insurance do the hard work for you. We will save you time by searching many of the top UK hotel insurance companies for you, we’ll also work hard to save you money too.

We offer competitive hospitality insurance with Hotel insurance, Guest House insurance, Airbnb insurance or Hospitality insurance name just a few types of insurance. C & D Insurance understand that quality cover is just as important as a low price. Our teams only work with the most trusted hotel insurance companies who can provide you with the standard of insurance to cover your business needs.

Common Hotel, Guest House and B&B Insurance Claims

Hotels in the UK go to great lengths to make sure their residents and guests are comfortable, well looked after and most importantly safe from accidents or injury. Your teams are trained in health and safety as well as hospitality service standards to make sure every guest is taken care of.

Unfortunately for some guests and hotels accidents do happen and despite strict supervision and regular inspections, some safety aspects can get overlooked. These can result in accidents and injuries to hotel guests.

By law, hotels, guests houses and B+Bs are required to keep their guests safe and to prevent foreseeable hotel accidents on their premises whenever and wherever possible. Guests injured during a stay at your hotel may be entitled to file a hotel accident claim for compensation which is why it is important to have the relevant hotel insurance cover in place.

Common types of claim

Some accidents can happen anywhere so they are only classified as hotel accidents because they take place within the hotel premises, there are also accidents that are unique to hotels and would reply on a claim being paid out under your hotel, guest house or B+B  insurance cover.

Here are some of the more common hotel accidents and injuries that people log insurance claims for:

Old furniture – Many hotels and use their furniture as long as possible. This can cause problems as items such as chairs and beds can weaken over time.  Unfortunately, it has been known for a chair or bed to collapse suddenly with the guest in it, causing various injuries from bruising to fractures.

Swimming pools – Swimming pools and other wet areas are one of the most accident-prone locations in any hotel or guest house. Claims can arise from guest’s insurance claims can arise from guests injuring themselves if they slip around the pool or changing areas.  Unfortunately, the worst possible scenario would be for a guest to drown in the pool.

Slip and falls caused by negligence – Wet floors and, uneven surfaces from one area to another, worn carpeting, bunched matting, or curled rigs are some of the more common factors that cause slips and falls within hotel premises.

Burns – Hotel insurance claims can arise from thermostats that are set too high resulting in burns to guests as they stand under the shower. These have been known to cause possible first and second-degree burns. Burns can also be caused by irons and other electrical appliances that are faulty or misused.

Theft & assault – The smallest security lapse is often enough for a guest to be relieved of their valuables and other personal belongings, leaving them injured and traumatised. If a guest is assaulted or robbed by an employee, the hotel may be held liable on grounds of negligent security for failing to conduct a thorough background check on the employee.

Food poisoning – Chefs take great care in ensuring that your guests have a wonderful experience in the restaurant, however undercooked meat, or poultry that is left unrefrigerated for far too long, unsanitary kitchen conditions or improperly cleaned kitchen utensils are just some of the ways that bacteria can get transferred to guests causing food poisoning. Resulting in claims against your hotel insurance.

Bed bugs – Bedbug infestations are rare but they can happen in hotels, guest houses and B+Bs. Bed bug bites cause small itchy blisters to guests and they can also be carried home in clothes and suitcases where they multiply quickly spreading the infestation.

Make sure you are covered for every eventuality with specialist hotel insurance through C & D Insurance. For a quote on your hotel, guest house or B&B email or call 01566 772282

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What is hotel contents insurance?

Hotel contents insurance is designed especially for hotels, bed and breakfasts and guest houses. With this type of contents cover there are two aspects to consider. The hotel contents insurance it’s self, and your guest contents insurance cover.

With hotels, traditionally there is little stock, as items tend to be ordered in as and when required, certainly the stock element differs greatly from that of a retail shop. For a hotel, guest house or B+B the equivalent items tend to be the small things in the bedrooms, and items of larger furniture. For examples, the kettles, TVs and beds. The value of these items can very quickly add up when multiplied by the number of bedrooms in your hotel, B&B or guest house.

Calculating the value of these items accurately is essential to getting accurate cover as you will need to be able to claim for them in the event of an incident. Likewise, should you make any investments or upgrades to these items, it’s important to inform your insurer as the value can change.

Regardless of how secure your hotel is, sadly crime does happen which is why hotels are legally required to have adequate guest contents cover. Some polices will have cover that allocates an individual claim amount per guest, while others will have an overall maximum claim figure across the term of the policy. Both types are suitable for small to medium sized properties.

Your advisor will be about to talk to you in more detail about which may be the most suitable for your business.

What people say about C & D Insurance

Don't take our word for it. See what others have to say about us!

I have dealt with C & D Insurance Services for many years. They have been excellent over the years dealing with my insurance policies. They have always looked after my insurance and helped me with everything including claims that have happened. They have always been very supportive. I would fully recommend this company to all.”

Kirsten Gale

Kirsten Gale

Bude, Cornwall

I have used C & D Insurance to manage our company and personal insurances for over 25 years. I have found them to be very helpful with giving me expert advice on all types of cover for my business. We operate a very large company with special needs in all areas. They have always given us the best advice and spent lots of time going into all enquiries and dealing promptly.”

Dave Cutler

Dave Cutler

Feniton Park Ltd, Cornwall

Hotel and Guesthouse Insurance FAQs

If you can’t find your answer below, call us on 01566 772282 or email

I have a vehicle for my hotel, can this be covered under the hotel insurance policy?

Unfortunately, no. However, we are able to offer both commercial car insurance and private car insurance, you can find more details of these products here.

Yes. Our panel of insurers can offer insurance for large and small hotels with pools, gyms and other leisure facilities.

If your hotel or guest house has between 4-12 bedrooms with a bar or restaurant attached, we will most likely be able to cover you under Guest House Insurance. If your main business is the making and serving of food or drink and you have no more than 4 bedrooms, your business is better suited to Restaurant or Pub Insurance. Please contact us on 01566 772282 or email for more information.

Depending on the use of the room this should be covered, however you will need to inform us of the room and its uses to ensure this is the case. Please get in touch on 01566 772282 or email for more details

Unfortunately, these would not be covered, however additional protections can be arranged for these types of events. Please contact

We can cover both types for your building’s insurance, whether it’s your own hotel, B+B or guesthouse or if you lease the property.

Our team can offer your specialist cover for B&Bs. Find more information for bed and breakfast insurance here.

AirBnB insurance is different to hotel, guest house or B+B insurance. You can find out more information about it here.

We are able to offer a direct debit scheme for spreading payments. Please ask you advisor for more information.

Cornwall & Devon Services Limited, trading as C&D Insurance and Cornwall & Devon Insurance Services, are an appointed representative of Riviera Insurance Service Limited, who authorised and regulated by the Financial Conduct Authority (FCA) under Firm Reference Number 786116. You may check this on the Financial Services Register by visiting the FCA website. C & D Insurance Services Limited is registered in England and Wales (Company Number 12231344). Registered office: Petitor House, Nicholson Road, Torquay TQ2 7TD, United Kingdom.

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