Hotel Insurance

Hotels deal with periods of high footfall and sometimes high expectations from guests. Hotel insurance is important because it helps protect your business from the financial impact of accidents, damage or disruptions beyond your control. 

If a guest is injured on your premises, part of your building is damaged, or an incident forces you to temporarily close, the costs can quickly add up. Without insurance, these expenses may need to be paid out of pocket. 

Hotel insurance also helps protects the things you rely on to run your business, such as furniture, equipment, technology and stock. With the right cover in place, it can even help to cover the loss of income if you need to temporarily stop trading due to an insured event.

From guest rooms to restaurant areas, we know every hotel has different facilities. And, just like every hotel is different, every insurer is different, and the one you choose may offer various cover types. At Bionic, we can help insure small hotels with the following facilities:  

• Hotel grounds  
• Guest rooms  
• Bars  
• Small restaurants 

If your facilities are not listed, we may still be able to help. Call our knowledgeable insurance team on 0800 032 7925 to see if we can help.

Prices could start from around £1.79 a day*

The cost of hotel insurance can be different for every hotel, depending on the size of your business, where it's located, claims history and the policy you take out. This is because each business has its own set of risks and needs. 

A small hotel with few rooms will often pay less than a large hotel with many guests and extra facilities like a bar, restaurant, gym or swimming pool. Hotels with strong safety systems and fewer past claims could get lower premiums.

Because every hotel is different, the best way to find out the cost of your hotel insurance is to speak to a member of our knowledgeable insurance team.

_{*This price is for a hotel package – 10% of customers who were sold with one of our panel providers paid £651.66 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £54.31 a month or £1.79 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary based on your business requirements.}

You may be able to get a cheaper hotel insurance quote by taking steps that demonstrate lower risk to insurers: 

• Choose a comprehensive hotel insurance package 
• Keep your premises well-maintained 
• Strengthen security measures 
• Provide regular training for staff 
• Maintain a clean claims history 
• Check and review your cover regularly 
• Compare insurance quotes 

At Bionic, we celebrate and champion UK business owners and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to talk you through the options. Our UK-based team helps business owners daily. Get in touch with us today by starting a business insurance comparison.