Hotel insurance

Safeguard your hotel's property and assets

Ensure compliance and secure your business operations

Compare quotes to find comprehensive hotel coverage

Helping businesses with insurance for over 70 years

Finding you the best cover

We have a panel of 120 insurers to discover suitable quotes and tailored cover for your needs.

Experts

Our team of insurance specialists have more than 70 years of experience in the industry.

Personalised cover

Our agents conduct a thorough fact find to understand your unique requirements, then work with insurers to get you the cover you need.

More than just insurance

Radius offers telecoms, fuel cards, telematics, insurance, electric vehicle charging, energy and vehicle solutions to businesses across five continents.

Search our panel of insurance specialists to find competitive cover

We work with a range of hospitality insurers from household names to small specialist insurers to find the best policy for your business.

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Three simple steps

1

The fact find

Complete the online question set or speak to one of our agents.

2

Search the market

We identify the policy that best suits your business requirements.

3

Your business insured

Complete your insurance purchase online in minutes or over the phone.

Get a quote online in 10 minutes

What is hotel insurance?

Hotel insurance is a policy designed specifically to protect hotel businesses from financial risks. From property damage to employee-related incidents, it covers numerous unexpected disruptions. Whether you run a large chain or a cosy bed and breakfast doesn't matter. Insurance safeguards against losses from fires, theft, injuries, and so on.

Hotels deal with high foot traffic, valuable assets, and potential legal claims. This makes comprehensive coverage essential. Without the right insurance, your business could be at serious risk when facing issues like lawsuits and property damage on your own. Insurance equals peace of mind.

Benefits of insurance for hotels

  • Property protection: From buildings to furnishings, hotels rely on physical assets. This makes property insurance essential. Without coverage for damage, costly repairs could impact operations and guest satisfaction.
  • Peace of mind: Running a hotel naturally involves risks. Comprehensive insurance reduces stress by covering potential liabilities. Guests also feel reassured knowing your establishment has necessary protections in place.
  • Compliance: Hotels have obligations to staff and guests. Insurance helps meet requirements such as employers' liability and public liability coverage, which guarantees compliance with regulations.
  • Protection against lawsuits: Hotels can face legal action from guests, employees, and suppliers. Legal fees and compensation costs can be overwhelming without insurance, even for mid-to-large establishments.
  • Business continuity: Severe weather, fires, structural issues – all can force temporary closures. The right insurance guarantees continued income by covering lost revenue and operating expenses.
  • Stronger reputation and trust: As it signals professionalism, guests and corporate clients prefer staying at a hotel that's fully insured. It demonstrates your business is well-prepared for risks.

Hotel insurance: What does it cover?

Buildings and contents insurance

Covers repairs and replacements for hotel damage due to fire, storms, and vandalism. Hotels have significant financial assets, making this coverage essential to maintain operations.

Public liability insurance

Say a guest, supplier, or visitor is injured, or their belongings are damaged due to hotel negligence. This coverage handles compensation and legal costs.

Employer's liability insurance

Hotel staff, due to the nature of their work, are open to risks. This required coverage protects against claims from employees who suffer workplace injuries or illnesses.

Business interruption insurance

If an insured event, like a fire or flood, forces a temporary hotel closure, interruption insurance saves the day. It compensates for lost income and ongoing expenses.

Equipment breakdown insurance

Hotels rely on essential equipment such as heating systems and kitchen appliances. This insurance covers repairs and replacements if key equipment fails due to mechanical breakdown.

How do hotel insurance claims work?

Filing a hotel insurance claim starts by notifying your insurer when an incident occurs. Details, including photographs, witness statements, and receipts for damaged items, must be provided. The insurer will then assess the claim, where they may send a loss adjuster to evaluate damages.

Once reviewed, compensation is processed based on your coverage limits and excess. Prompt reporting and accurate documentation assist in speeding up the process, meaning your hotel recovers quickly from financial losses. A reputable insurance provider simplifies claims and makes the experience as smooth as possible.

Compare hotel insurance quotes online with Radius

Finding the right hotel insurance be confusing and time-consuming, but Radius simplifies the process by supplying competitive quotes to fit your business needs. You can secure the best coverage for property damage, liability claims, and more by comparing different policies online.

Whether you run a small boutique or a larger establishment, Radius helps you find insurance to suit your needs. With expert guidance and access to top-rated insurers, we ensure you gain the right balance of affordability and protection. Compare hotel and guesthouse insurance today to begin fully securing your business against unexpected risks.

Frequently asked questions

Can’t find an answer to your question? Talk to the Radius customer support team on 0114 261 2020. We’re here to help you with any questions or concerns you may have.

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Why choose Radius?

With innovative solutions built around the needs of our customers, we've established an international reputation for helping businesses grow sustainably.

Expertise

Our team has over 35 years of experience helping more than 445,000 customers globally.

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We are an internationally-acclaimed provider with numerous awards for our products and services.

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The customer support team at Radius has a global reach with over 50 offices to offer local contact with an international presence. Let us know how we can help.  

Contact us

UK Fuels, Radius Insurance Solutions Limited and Milestone Insurance Consultants Limited are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions is a registered company (number 3668469 and FCA reference number 300425). Radius Insurance Solutions is a trading style of Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.

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