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Commercial & Boutique Hotel Insurance

boutique hotel insurance

Boutique Hotel Insurance & Protection for Commercial Hotels

Owning a beautiful boutique hotel or a larger commercial hotel can be a fulfilling and profitable venture. Protecting it with comprehensive insurance is key to ensuring peace of mind and an effective level of financial protection.

We provide boutique hotel insurance and insurance for larger commercial hotels. Specifically tailored to your business, whether it’s a bijoux hotel in a busy city, or a larger commercial premises set in the grounds of a country estate, we provide policies that are tailored to your unique business. We aim to take the hassle out or arranging cover and always seek to give you a competitively priced, whilst appropriate, policy.

Tailored to Your Hotel

One of the primary benefits of finding boutique hotel insurance and commercial hotel cover through us is our ability to tailor policies to meet specific needs. Unlike standard commercial insurance, boutique hotel insurance can be customised to cover unique aspects of the business, such as specialised services, luxurious amenities, and high value interiors. Tailored cover ensures that your hotel’s unique attributes are protected, providing peace of mind to the owner.

Liability Protection

Liability protection is crucial in the hospitality industry, where guest interactions and services are frequent. Boutique hotel insurance and cover for larger commercial hotels includes general liability insurance that covers legal fees and settlements if a guest is injured on the property. In addition, it can include cover for foodborne illnesses, alcohol-related incidents, and other specific liabilities that may arise. This protection is vital for safeguarding the hotel’s reputation and financial stability.

Insurance for High-Value Assets

Boutique hotels often feature expensive furnishings, artwork, and other valuable assets that contribute to their unique charm. Boutique hotel insurance policies can be designed to cover these high value items against theft, damage, or loss. This ensures your hotel can maintain its luxurious ambience without bearing the full cost of replacing expensive items in case of an incident. We can provide protection for listed buildings including hotels which have been developed from private homes to commercial ventures.

Property Insurance

Property insurance covers physical assets, including buildings, furnishings, equipment, and inventory. This type of insurance can protect against damage from fires, storms, and vandalism, ensuring that your hotel can quickly recover and resume operations.

General Liability Insurance

General liability insurance is crucial for covering legal fees and settlements if a guest is injured on the property or a guest’s belongings are damaged. This includes slips and falls, food poisoning, and other common incidents.

Business Interruption Insurance

This cover compensates for lost income and operating expenses during periods when your hotel is unable to operate due to unforeseen events like water damage or fires. It ensures financial stability during recovery periods.

Cyber Insurance

With the increasing reliance on digital systems and the storing of sensitive data, cyber insurance can cover legal fees and notification costs associated with data breaches, cyberattacks, and other digital threats.

Further Types of Insurance:

  • All-risks property damage
  • Business Interruption including loss of attraction, for example, negative customer review
  • Personal Accident
  • Employers’ Liability
  • Director & Officers’ Liability
  • Loss of Registration/Licence, including premises and wedding
  • Reputational Risk
  • Cover for Marquees

Brand Protection

A hotel’s brand is one of its most valuable assets. Insurance can include cover for reputational damage, helping to fund public relations and other measures to restore the hotel’s image after a negative incident. This is crucial in maintaining the hotel’s market position and guest loyalty.

To talk to our team of insurance experts regarding cover for your boutique hotel or commercial hotel, don’t hesitate to get in touch. Our team is available to help you with your enquiries around protection for your commercial venture.

boutique hotel insurance

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