When your guests arrive at
your hotel, the last thing they should be thinking about is ‘what
could go wrong’. As a hotel owner, it is your responsibility to
ensure that your guests enjoy their stay, and that their belongings
are safe. This is why adequate hotel insurance is essential. You need to ensure
that if something happens, you, your staff and your guests are
covered.
Accidents usually happen when you least expect it. It could be
something as simple as a guest taking a tumble on the stairs or
slipping on a coffee spill in the breakfast room. Your guest can
make a claim against you for negligence and seek compensation for
their suffering, medical expenses and legal fees. Adequate hotel
insurance cover with public liability will cover the costs of the
claim and legal costs, depending on your level of cover.
A severe storm, flash floods or an accidental fire can cause
serious and costly damage to your hotel and its contents. Items
such as furniture, bed linen, towels, curtains, crockery etc. are
vital to run your hotel successfully. If you do not have adequate
hotel insurance, the cost of replacing damaged items could run into
thousands of pounds. If you were to pay for it yourself, it could
put a serious strain on your finances and in the worst case, put
you out of business.
The personal property of your staff and guests are also at risk
from fire, flood, theft and accidental damage. Both your staff and
guests may claim compensation from you, the hotel owner, if they
suffer any damages. Costly items such jewellery, mobile phones,
cameras and laptops are not uncommon items for guests to travel
with, making theft risk a reality.
Depending on the size of your hotel and the number of guests
affected by an incident, you could be looking at a very large bill.
Hotel insurance offers you financial protection in the event that a
claim or multiple claims are made.
The reality is that without adequate insurance, hotel owners are
at risk. YOUR Insurance’s specialist hotel insurance can help
provide peace of mind. Contact us today for more information, or to
request a free hotel insurance quote.