Buildings and contents where insured
May cover insured damage to the hotel or guesthouse buildings, including the structure and fixtures. The insured property, perils and sums insured are set out in the policy and schedule.
Dixons Commercial Insurance Brokers · Insurance product
Hotels, B&Bs & Guesthouse Insurance
Insurance options for hotels, bed and breakfasts, guesthouses and similar accommodation businesses.
Discuss this insuranceAt a glance
Who is this product for?
Hotels, bed and breakfasts, guesthouses and eligible serviced accommodation operators.
Explore your options
What can it cover?
Depending on the premises, activities and selected sections, cover may include buildings or contents, business interruption, public and employers’ liability, money, and other hospitality-related protections.
Build the right protection
Cover options to explore
Explore some of the insurance sections that may be relevant to your business. The options available will depend on your activities and the markets we approach.
Business interruption
Can help with loss of income and certain additional costs if insured damage disrupts trading, for example when guest rooms or key facilities cannot be used. The interruption must meet the policy trigger and indemnity period.
Public and Products Liability
Can protect against certain legal liabilities if a guest, visitor or other third party alleges injury or property damage connected with the hotel or accommodation business. The activities and circumstances must fall within the policy.
Employers’ Liability
Addresses certain legal liabilities to employees for injury or illness arising out of their work. Employers with staff such as reception, housekeeping, kitchen and maintenance teams should consider their statutory obligations.
Money and other selected extensions
May cover defined business money, such as takings held at the premises or in transit, subject to limits, security requirements, permitted locations and policy conditions.
Stock
May cover food, drink, cleaning supplies and other trading stock at declared premises, subject to stock definitions, values, seasonal increases and policy conditions.
Equipment breakdown
May cover specified mechanical or electrical breakdown of refrigeration, kitchen, laundry, heating or other business equipment, with resulting damage or interruption only where insured.
Deterioration of stock
May cover specified chilled or frozen food and drink spoiled following an insured refrigeration failure or temperature change, subject to maintenance, security and notification conditions.
Loss of licence
May provide defined protection following specified events affecting a premises or business licence, where the extension is available and selected. The insured events and basis of settlement are policy-specific.
Real-world scenarios
How could insurance help?
Examples of situations businesses may face, and the types of cover that may be worth discussing with a broker.
An unexpected incident affects the business
An event occurs that may fall within a selected section of cover.
Cover to discuss: Relevant selected policy sectionA third party makes an allegation
A customer, visitor or other third party alleges loss arising from the business.
Cover to discuss: Liability cover where insuredThese are illustrative scenarios, not actual Dixons customer claims or confirmation that a policy will respond. Any claim is assessed against the policy terms and circumstances.
More ways to protect your business
Additional options
Depending on the nature of your business, there may be further areas of protection worth exploring. These options are not included automatically and availability varies between insurers.
Good to know
Frequently asked questions
Some useful starting points about this type of insurance. If you have a specific question about your business, speak to our team.
What does this insurance cover?
The cover depends on the activities insured, the sections selected and the policy wording and schedule.
Can the policy be tailored to my business?
We can discuss your activities and approach suitable insurance markets to explore available options.
What information will a broker need?
We will usually discuss your activities, turnover, people, premises, contracts, claims history and the cover you are looking for.
Is cover automatic once I enquire?
No. Cover is subject to insurer assessment, acceptance and confirmation of the terms.
Speak to a commercial insurance broker
Let's talk about your business.
Tell us about your work and we'll explore the insurance options available across our markets.
Contact Dixons → 01727 736 970Product information is a general guide. The options available depend on your business and the insurance markets approached.