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Hotel Insurance
Compare insurance for hotels
Business insurance for small hotels
Protect against claims made by staff and guests
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic provides business insurance for small business, like hotels
Get cover to protect against claims from employees, customers & more
Get the protection you need with no unnecessary extras that you don’t want
What is...
hotel insurance?
Running a hotel comes with risks for you, your guests and employees. With people coming and going every day, it’s impossible to predict when things could go wrong. A guest could slip and fall in your breakfast room, a storm could cause damage to your property — there are so many possibilities. That’s why it’s best to have your back covered should the worst ever happen.
Having sufficient cover can help when things go wrong and helps provides a financial safety net. Hotel insurance can protect against unforeseen events and provides peace of mind so you can focus on what’s most important — running a successful hotel business.
What does hotel insurance cover?
From guest rooms to restaurant areas, we know every hotel has different facilities. And, just like every hotel is different, the insurer you choose will offer different policies to cover the risks associated. 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 0808 253 4304 to get a quote.
What’s included in a hotel package?
Every hotel business is different, so policies will vary per provider, but a hotel insurance package could include a combination of the covers below:
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Public liability insurance
In case you injure someone or damage something while providing your services
Commercial building insurance
To protect business premises that you own, whether you're using them or renting them out to others
Stock and contents insurance
In case your stock or equipment is stolen or damaged by flood or fire
Cover for guest belongings
Varying limits, but most policies specify £50 per item in their wording. Limited cover for luggage items, but not cash.
Does hotel insurance cover damages by guests?
Guests can sometimes cause damage to your rooms or grounds. If damage is accidental and reported by the hotel guest, the hotel should be able to claim on their policy. But always check your policy wording and confirm with your broker or insurer that this cover is included.
The right hotel insurance is key for protecting your investment and guests. It's not just a safeguard — it's part of responsible hospitality.
James Barwell, Insurance Director
Get hotel insurance with Bionic
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.
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
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