HOTEL & GUEST HOUSE INSURANCE

Whether you run a bed and breakfast, small guest house or larger hotel, our hotel insurance policy is designed for your needs

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  • Hoteliers save an average of £191 when they switch to us*.
  • £2m public & products liability cover as standard.
  • Policies underwritten by Allianz Insurance plc, one of UK's largest insurers.
  • Get a quote online or call now for a great deal.

Looking for hotel, guesthouse or B&B insurance? Let us take care of business

Let Premierline Direct provide you with great cover at a competitive price to give you peace of mind for your hotel insurance.

  • We know that running a business is hard work and organising your guest house or hotel insurance, while vital, can be a chore. That's why Premierline Direct makes arranging insurance quick and simple. We take the time to understand what business insurance you need and then produce a quote that's tailored to your business. Our aim is to give you peace of mind, knowing that you have the right cover for your business needs at a great price.

Our hotel insurance policies are designed to meet the needs of independent hotels and guesthouses. We believe that no two businesses are the same and you should only pay for the cover that your business needs

  • Our standard hotel and guest house insurance policy is tailored to cover the assets, earnings and legal liabilities of both licensed and un-licensed businesses. The standard policy provides a range of range of covers including employer's and public liability damage to contents and loss of earnings. But no two businesses are the same.  That's why we offer many hotel insurance optional extras such as cover for your buildings, computer breakdown and theft by employees. You'll also have access to our legal helpline, available 24/7.

Save money on your hotel and guest house insurance

  • As the first business insurance provider to deal directly with our customers, we have been able to offer our cutomers some fantastic savings.  In fact our customers save an average of 25% when they switch to Premierline Direct.

Our policies are primarily underwritten by Allianz Insurance plc, one of the UK's largest insurers.

  • Over 30,000 businesses of all kinds have chosen Premierline Direct for their business insurance. And the number is growing fast because we understand businesses; businesses like yours. Whether you're running a small bed and breakfast, a charming guesthouse or a large hotel, we can help with your specific insurance needs. Plus, our policies are primarily underwritten by Allianz Insurance plc, part of the global Allianz group, so we can give you the peace of mind that comes from being insured by one of the UK's largest insurers.

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We give our customers far more than just hotel insurance

Great service counts, that's why you'll find Premierline Direct easy to deal with, whether online, over the phone or even face-to-face - whatever suits you best.

  • Like all good businesses, we understand the importance of listening to our customers. That's why we asked you exactly what kind of website and what kind of service you wanted and expected from us. And we've responded with a brand new, user-friendly site offering easy navigation to information on all our products. Our highly trained team of UK-based insurance experts understand your business insurance priorities and you'll find them helpful, efficient and ready to give you a hotel insurance quote over the phone. There are no forms to fill in, and we will get your documentation to you quickly.  If your needs are complex, we may also be able to visit your premises to talk them through with you.

And if you need to claim, we're right there for you, 24/7, ready to get your business back on the road. Fast!

  • We know how devastating a claim on your hotel, bed and breakfast or guest house business can be.  So, if things go wrong and you need to claim, we make sure we act fast to get you back in business with minimal fuss or delay. Whether it's day or night, our 24/7 claims line provides support at your time of need.  Our commitment is to settle claims fairly and efficiently. 

All our customers have access to an exclusive, online risk-management website - giving you a wide range of tools to help plan and manage your business.

  • Our unique website, Risk Director, is an interactive, one-stop-shop for risk management and support, giving impartial guidance on risk assessment, training and updates on the latest legislation, which may affect you.  Also available through the website are discounts from preferred suppliers and access to our free health, safety and environmental helpline.

And, as a Premierline Direct customer you'll get exclusive access to a wide range of discounts that can save on business running costs.

  • As a Premierline Direct customer you can take advantage of our Business Savings Program that offers a wide range of exclusive offers from big-brand names in business supplies, business and leisure travel and IT services - companies like BT, Monster.co.uk, Hewlett Packard, Viking Direct and Sharp.  Call us to find out more.

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Standard cover

The following is covered as standard within our hotel and guesthouse policy:

Business contents - Our policy covers your trade contents and stock against a range of perils including explosion, fire, storm damage, malicious damage and theft involving forcible and violent entry or exit from the premises. Cover also includes the leakage of beer and beverages from pumped containers and subsequent damage to contents.

Business interruption - This helps you stay in business by covering loss of gross income and reasonable expenditure incurred as a result of a loss covered under Section 1 of the policy. A gross profit sum insured of £250,000 with an indemnity period of 12 months is our standard cover.

Loss of accounts receivable - Covers money up to a maximum limit of £25,000 that customers owe your business, but cannot be collected, due to a loss covered under Section 1 of the policy to your books of account or business records.

Loss of liquor licence - If for any reason you lose your licence due to circumstances outside of your control then we will cover you up to £100,000 against loss of profit or the depreciation in the value of your property should it be sold.

Public and Products Liability - Provides cover of up to £2,000,000 for sums you become legally liable to pay in respect of accidental injury to any person or accidental loss or damage to their material property happening in the course of your business or caused by the nature or condition of anything sold or supplied by your business.

Employer's liability - Provides cover of up to £10,000,000 for sums you become legally liable to pay as damages, together with your legal costs and expenses relating to an injury to an employee for which you are legally liable.

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Extensions of cover

Our hotel insurance cover automatically includes the following extensions as standard:

Contents extensions Standard cover limit
Breakage or scratching of fixed glass and sanitary fixtures and fittings Up to the amount of your contents sum insured
Damage to window frames following breakage of glass £500 in any one policy period
Damage to glass lettering or other ornamental work and alarm foil £500 in any one loss
Damage to signs £1,000 in any one policy period
Loss or damage to your business goods while being carried in any vehicle(s) owned, hired or leased by you anywhere in or between the UK, Channel Islands, Isle of Man and Republic of Ireland £2,000 any one event
Replacement of locks following theft of hotel keys from the hotel or authorised private residence £500 in any one policy period
Loss of money:
In transit or bank safe (cash carrying warranty will apply) £3,000 any one loss
From the hotel during business hours £3,000 any one loss
Money left unattended at the hotel and not contained in a locked safe £500
From the residence of a principal or authorised employee £500 any one loss
From gaming, amusement or vending machines £300 any one loss
Outside business hours:
From locked safe £1,500
Not contained in a locked safe £500
Non-negotiable money (e.g. crossed cheques, credit card counterfoils) £250,000 any one loss
Personal accident - Assault resulting in bodily injury to you or an employee caused solely or directly as a result of robbery or any attempted robbery in course of the business Weekly benefit for disablement - £100 per week upto 104 weeks. £10,000 for death, loss of limb(s) or sight
Loss of freezer contents following accidental change in temperature £2,000
Seasonal increase. Automatic increase in stock sum insured during busy periods Up to 25%
Outside catering - cover against loss or damage to your equipment by an insured peril £2,000 any one loss
Loss or damage by an insured peril to your property in the open within the boundaries of your premises e.g. picnic tables and garden furniture £500 in any one policy period
Loss of metered water directly resulting from loss or damage by an insured peril £2,500 any one claim
Damage to landscaped gardens caused by emergency services attending your premises as a result of an insured peril £1,000 in any one policy period
Guests' personal effects & motor vehicles:
Personal effects limit

£1,000 any one guest
Motor vehicles limit £10,000 any one vehicle
Maximum amount payable under this extension is £50,000 any one claim
Personal money and credit cards:
Accidental loss of personal money £250 limit in any one policy period
Fraudulent use of personal credit cards by an unauthorised person £500 limit in any one policy period

 

Public & products liability extensions Standard cover limit
Cloakrooms - Cover against your liability for loss or damage to property belonging to patrons caused by theft or accidental means whilst deposited in the cloakroom of the hotel £1,000 any one cloakroom £100 any one article
Outside catering - Cover against injury to the public and damage to their property £2,000,000 limit any one loss

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Optional extras

For an additional premium Premierline Direct can offer a range of optional extras to your Hotel and Guesthouse insurance policy. These include:-

Buildings - Covers the cost of rebuilding your premises and has the option to include subsidence cover.

Subsidence - This provides cover for damage to your premises as a result of subsidence, ground heave or landslip.

Theft by employees - Provides cover against a direct loss as a result of fraud or dishonesty of employees relating to theft of money or contents up to the limit of £5,000 in any one policy period.

All risks specified items - Provides cover for any specified items that will be used away from the business premises throughout the UK and for up to 30 consecutive days elsewhere in the world.

Computer breakdown - Provides cover for loss or damage caused by computer breakdown or failure up to the value specified by you. Cover also extends to include:

  • Loss or damage to computer records up to a limit of £5,000 in any one policy period.
  • Additional expenditure arising from the breakdown of computer equipment up to £10,000 in any one policy period.
  • Reinstatement of data up to £5,000 in any one policy period.

Terrorism - Covers you against damage to your property from the effect of acts of terrorism up to the maximum sums insured of Section 1 - Contents and Section 5 - Buildings.

Household Goods & Valuables - Covers:

  • Property belonging to you or your resident manager or any family member permanently residing at the hotel. Limit any one valuable £1,000
  • Property belonging to any employee. Limit any one residential employee £1,000. Limited any one non residential employee £500

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Exclusions & limitations

These are some of the exclusions that apply to the policy. There are also further provisions such as those relating to under insurance as well as general conditions and exclusions. Details of these can be found in the policy document. Other additional terms and conditions may be applied in certain cases. Excesses apply to certain types of claims.

Damage to signs - Cover excludes neon signs. See Extension 2 of Section 1 for terms and conditions.

Stock in any cellar - or basement must be placed on racks at least 150mm above floor level - see Section 1 of the Policy Document - Contents of the Hotel; item A2 and A3, for terms and conditions.

Goods in Transit (Security) - If vehicle is left unattended it must be locked at all points of access and in addition it must be garaged in enclosed premises which are securely locked or have a watchman in constant attendance between the hours of 9pm and 6am. See Section 1 item E3 of the Policy Document for terms and conditions.

Goods in Transit (Frozen or Chilled Foods) - Cover excludes deterioration of goods due to faulty stowage, incorrect setting or operation of the equipment or variations in temperature unless directly due to fire, or accident to the vehicle or theft or attempted theft. See Section 1, Extension 3, Exclusion a) for terms and conditions.

Money on Premises - Money left unattended and not contained in a locked safe will be limited to £500. See Extension 5 of Section 1 for terms and conditions.

  • Money belonging to guests deposited with you for safe custody. See section 1 - item 5 of the policy document for the terms and conditions.

Transition Condition - Is a condition precedent to liability that whenever money in transit exceeds £2,500 at any one time:

  • a) the money must be accompanied by not less than two responsible adult persons.
  • b) not more than £2,500 will be carried by any one person.

Personal Accident - Assault - Age limits of 16 to 70 apply. Compensation for death, loss of limb or sight only applies if they occur within two years of sustaining the bodily injury. See Extension 6 of Section 1 for terms and conditions.

Business Interruption - Loss of gross profit to your business following the failure of the public supply of electricity, gas, water or telecommunications is limited to interruption caused by destruction or damage occurring at the premises of the supplier. See Section 2 Extension 4 of the Policy document for terms and conditions.

Cloakrooms - Cover excludes:

  • Loss or damage caused by fire and/or explosion
  • Loss from any unlocked and unattended cloakroom
  • Loss or damage to jewellery, watches and the like. See section 3b - paragraph L of the policy document for terms and conditions

Asbestos Exclusion - Only applicable to Public and Products Liability. We will not be liable for legal liability in respect of injury, loss or damage directly or indirectly caused by arising from in consequence of or in any way involving asbestos.

Provided that this exclusion shall not apply to liability for injury or loss of or damage caused by any commodity, article or thing containing asbestos where the presence of asbestos is not in itself a direct or indirect cause of such injury or loss or damage.

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