One of the essential aspects of hotel insurance is public liability, which protects your business should any of your guests suffer injury as a result of your hotel. The amount of coverage will vary depending on the size of your business, but most underwriters will offer up to £5 million in public liability insurance to give you peace of mind in the event of any accident that occurs at your hotel.
If you have employees that work for your bed and breakfast, then employers’ liability will be needed to cover any accidents or illness that occur as a result of working in your premises. Some policies will offer employers’ liability as standard, but if you do have employees, even if they are casual workers, then you will need to ensure you have appropriate employers’ liability cover in place.
One option that you may want to consider to be included in your policy could include loss of income, which is particularly beneficial if you cannot accommodate guests because of damage to your property. For exemplary customer service, you may also want to add cover for your guests’ possessions, so they can feel their belongings are safe when they are staying with you.
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