New policies only. Cover on an equivalent basis to ours. Excludes policies with home emergency cover added. Qualifying criteria apply. .
Personalised Hotel Insurance from Direct Line for Business provides cover for hotels with up to 12 guest rooms. The policy includes public and products liability, business contents and stock insurance as standard. Public and products liability covers injury to guests or other members of the public, and damage to their property in and around your hotel, including goods you supply.
You can add optional covers to your policy, such as:
Cover limits will apply
Managing a successful hotel can be as demanding as it is satisfying. And as with any type of business, it comes with its own set of risks, from theft, to injury to guests, to damage to the hotel building and its contents.
That's why your hotel needs the right insurance for the risks it faces every day.
At Direct Line for Business we provide personalised Hotel Insurance for hotels with up to 12 guest rooms. You can create the right policy by choosing the cover features personalised to your hotel.
Some insurers like to sell you one-size-fits-all cover. Not us. That's why we let you create a policy that's personalised to your business. So, you can cover everything you want - from pool tables to swimming pools. And the great thing is that you only pay for what you want and nothing more.
And if at any point you want to remove or add any cover, you can do so whenever you need to - with no admin fees to pay.
Read on to find out about some of the insurance features you can choose.
Our Hotel policies come with public and products liability insurance as standard. This policy feature is designed to cover your business if any of your guests suffers physical injuries, food poisoning or other illnesses due to staying at your hotel. It also covers your legal liability in connection with your business for damage caused to property belonging to your guests or members of the public.
Our public and products liability will cover your legal costs and if you're found to be responsible, any compensation up to your chosen limit as well as the claimant's legal costs.
This covers your hotel's business contents, such as furniture, bed linen, televisions and stock such as wines and spirits and toiletries you give to your guests, for damage by fire, flood or any other insured event. It extends to cover your guests' possessions while they're at your hotel.
Business contents and stock insurance includes equipment breakdown and will reimburse you for repairs and replacements of appliances like dishwashers, fridges or freezers owned by or the responsibility of the business if they break down and it's not due to wear and tear.
Your home contents are not the same as your business contents. You will need to insure your home contents under the optional household contents cover if this is required. Cover limits apply.
This cover insures you against loss or damage to your guests' and employees' personal possessions if you're legally liable.
This covers loss or damage to your guests' and employees' property:
With our new online tool you can choose the cover features that you want and build your own entirely personalised policy.
Find out more about some of the optional insurance features that you can choose from (additional premiums apply):
With our buildings insurance, you can insure your main hotel building, against damage caused by natural disasters and other insured events such as fire and escape of water. This includes completely rebuilding the property if it was damaged beyond repair.
If you take out buildings cover you will be covered for equipment breakdown cover which pays to repair or replace your boiler and other built-in appliances like burglar alarm and air conditioning systems as long as the damage is not caused due to wear and tear. You need to organise the repair yourself. Cover limits apply.
Peace of mind, if you experience a sudden and unexpected issue, which can cause damage to your home, makes it unsafe or uninhabitable, home emergency's 24-hour claims line means help is never far away. You'll have a certified contractor, such as plumbers, electricians, glaziers, locksmiths, or drainage engineers at your home within 4 hours of your claim being registered, to make the property secure or prevent further damage. In addition, you have access to gas engineers, pest control services and roofers, but these are not subject to the 4-hour response time. Extreme weather and remote locations may extend the response time.
Up to £1,500 inc. VAT per claim for call-out charges, labour costs and materials for insured emergencies, such as issues with plumbing, heating or pest infestations.
There's no excess to pay and no limit on how often you can claim.
You can add home emergency to a Direct Line business policy, so long as you run your business from home and have home buildings insurance, home contents insurance or business contents insurance on your policy. It is available on new and renewal policies, it can't be added during the policy term.
Home emergency isn't currently available on policies that include commercial premises.
For more information click here.
Depending on the type of business you run, you might work from home, in an office, at your shop, a client's premises or a shared working space. If your working premises became unusable due to an insured event like a fire or flood, business interruption will cover the costs of relocating until it's fixed. It can also cover you for any lost turnover during this time if you've insured your premises or business property with us.
If your main supplier or customer suffers damage to their premises and can't trade, we'll cover you for the loss of business you'll suffer. Equally, if a market or fair that you regularly attend suffers a fire, we'll cover the lost turnover for the time you can't trade there. Business interruption will also cover you if key equipment that you use to run your business, like a laptop, is damaged or stolen, meaning you can't trade.
Our business interruption cover can insure you if you or one of your key employees becomes seriously disabled and is unable to continue work. We will cover the incurred costs, up to £25,000, to minimise any interruption to the business.
Theft of Takings covers cash or cheques stolen from you in transit, from a safe or on you while you're working at other premises, such as your clients' homes. Maximum limits apply.
This covers the legal costs of providing specialist lawyers and taking action against many common legal problems, for instance disputes with suppliers or clients. Legal expenses cover can only be used if there is at least a 51% chance that the claim will succeed.
Employers' liability insurance is a legal requirement if you have employees. There are a couple of exceptions to this rule, which you can read more about here.
We cover you for £10 million, as standard. This covers the legal and compensation costs you are required to pay if an employee gets injured or becomes ill because of the work they do for you.
Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.
We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.
If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.
You can choose Personal Accident as an add-on once you've completed your quote.
If you have commercial premises, you can extend your cover, for an additional premium, to include property damage as a result of an Act of Terrorism. We'll cover you up to the maximum sum insured on your policy for buildings, contents, and business interruption (depending on which covers you have taken).
This includes:
If you choose business interruption cover, you can extend this to include cover for reduced turnover and the costs of setting up elsewhere, due to damage to your premises resulting from an Act of Terrorism. It will also cover you not being able to access your premises as a result of an Act of Terrorism within 1 mile of your business.
Acts of Terrorism are defined as damage caused by someone acting on behalf of, or in connection with, any organisation which uses force or violence to overthrow or influence the UK government.
Terrorism cover is only available for properties located in England, Wales and Scotland.
Terrorism insurance is optional, so an additional premium will apply.
You can include Terrorism cover on your policy by adding it online or by calling us on 0345 301 5066 when you take out your policy or at renewal, as it cannot be added to your policy mid-term.
If you'd like to spread the cost of your policy in your first year with us you can pay monthly for your Hotel Insurance at no extra cost (Subject to eligibility. 18s and over. 0.0% APR representative.) There's also no minimum premium amount for you to qualify to pay by Direct Debit.
Just starting out as a hotel and want to get insured? You don't need to be registered with any associations to get our Hotel Insurance.
If you have an existing quote or policy with us, you can view and download your policy documents from the My Account page.
We tailor all our policies, so your documents only show what you've chosen to cover.
Here is a summary of a generic policy, from 24 April 2024 onwards, which shows the main covers and exclusions in our policies.
Direct Line for Business provides cover for a wide range of bed & breakfast and guest houses, with up to 12 guest rooms.
The Insurance Act 2015 is a new piece of UK government legislation that becomes effective on the 12th August 2016. The purpose of this Act is to update the law in certain areas in line with best practise in the modern UK insurance market. To find out more and how it could affect you please go here: www.directlineforbusiness.co.uk/insurance-act-2015-overview
Insurance Premium Tax is a tax payable on insurance premiums and is set by the Government.
All documents outlining premiums, such as quotations, show how much insurance premium tax you're being charged. However, not all UK residents pay the tax, such as anyone who resides in the Channel Islands or Isle of Man.
Your quote is valid for up to 30 days from the day you receive it.
You can get a quote up to 30 days before you need the cover to start.
To get a quote online you'll need to enter a valid email address. If you'd like help getting a quote, call us on 0345 303 1762.
Our virtual assistant is ready to answer your questions.
Start a WhatsApp chat and get the help you need wherever you are. You can make many policy changes directly on WhatsApp.