Hotel Insurance from Warrings provides protection for small and large Hotels and Hotel chains

We aim to provide the most comprehensive but cost effective Hotel Insurance cover to meet the demands of a range of hotel businesses.

Warrings provide cover for:

• Small independent hotels
• Small hotel chains
• Boutique hotels
• Country hotels with sporting facilities
• Hotels with gymnasiums, fitness centres, wet rooms and spas
• Hotels incorporating business conference facilities, function and meeting rooms
• Hotels with golf courses, formal gardens and parkland and health clubs
  
  

By being flexible in the range of covers available we are able to tailor our Hotel Insurance schemes to the needs of the individual hotel or hotel chain.

Furthermore we can also provide flexibility payment options for hoteliers by offering a monthly payment plan for the premiums. This helps hotel owners with managing cash flow by spreading the payments over a number of months.

 

Warrings Hotel Insurance policies feature a standard set of benefits including:

Employers' Liability

It is a mandatory requirement for hotels that employ staff to carry Employer’s Liability Insurance. This insurance indemnity covers hotel employers in the event their employees are injured in the course of their work through the negligence of the hotel business. Warrings standard cover provides for £10,000,000 indemnity or £5,000,000 if the loss arises from terrorism.

Public Liability

All hotel businesses have direct contact with the general public and with suppliers and other third parties who frequent the hotel premises. It is thus a legal requirement for hotels to hold Public Liability Insurance.

Public Liability insurance for hotels provides protection for the general public and any other third party if they are injured or if they suffer property damage as a result of the hotel business’ negligence during the course or conduct of its business, up to £2,000,000

Money and Personal Assault

This aspect of the policy is subject to certain limits but covers the hotel and its staff against loss of money on the premises as a result of an assault. money lost in transit as a result of an assault or at the home of one of the hotel employees.

Glass (repairs or replacement)

This provides cover in the event of breakage or damage to the glass in hotel windows and doors. Furthermore it also provides protection for door frames, window and door signs, display boards and hotel reception counters.

Business Interruption

A catastrophic event like a fire or flooding would cause a tremendous amount of disruption to a hotel business. Business interruption insurance for hotels provides protection for trading profits in the 24 month period following an event.

Property Damage

This covers the contents of the hotel including cooking equipment, computers, tables and chairs, other machinery, room furnishings and other items that are fundamental to running the hotel. This important aspect of the Warrings Hotels Insurance provides the vital protection required against loss or damage to the contents of the hotel caused by fire, theft or accidental damage.

Goods in Transit

This provides £2,500 of protection for Goods in Transit against loss or damage by you or your employees or a third party. Higher sums can be insured if necessary.

 

Warrings can arrange additional cover for hotels as required:

All Risks

As an option Warrings are able to provide a quotation for ‘All Risks’ insurance and this provides optimum levels of cover across a wider spectrum of risks. If you are interested in taking out an ‘All Risks’ policy, please ask your account manager and they will provide full details of the additional cover available for hotels.

Terrorism

As an optional extra we can also provide safeguards against the damage or effects caused by an act of terrorism.

The descriptions above represent very brief summaries of the cover provided under the Warrings Hotel Insurance package. They do not constitute any protection afforded under a policy of insurance provided by Warrings and cannot be interpreted as providing any such evidence of insurance. These summaries do not contain the full terms and conditions of cover under any insurance product provided by Warrings and therefore should not be relied upon to be representative of the cover within a policy or contract of insurance.

Upon request we will provide a more detailed summary of Hotel Insurance cover if required.

To receive further details or request a quotation for hotel insurance please telephone 0844 209 0566 or alternatively complete the online enquiry form and one of our professional account handlers will be in touch to help you with your Hotel Insurance enquiries.