Hotel & Guest House Insurance
Whether you have an established business or whether you are just starting up a guest house or bed and breakfast establishment for the first time, O’Connor & Company are best placed to provide expert advice for all your needs. We will design an insurance policy specific to your needs and also work with you to help you identify, evaluate and manage your risk exposure.
Typically under a policy of this nature we would always advise cover on an ‘Accidental Damage’ basis but some insurers still only offer ‘Standard Cover’ with ‘Accidental Damage’ cover being an optional extra. When asking for a quotation it would be helpful to know which basis of claims settlement you would prefer or just ask a member of the team who will be happy to explain the differences further.
Cover typically included within our policies include:
- Contents including seasonal increase on stock
- Business Interruption
- Damage to Glass
- Loss of Money in transit or in a locked safe overnight
- Refrigerated Contents
- Public and Products Liability
- Employers' Liability - £10,000,000 limit of indemnity
- Goods in transit
- 24 hour Legal Helpline
- Index Linking
- Guests Personal Effects
With potential Optional extensions for:
- Accidental Damage on Contents & Buildings
- Subsidence
- Insured's Personal Contents and Money
- All Risks on Portable Property
- Loss of License
- Legal Expenses
- Theft by Employees
- Electrical or mechanical Breakdown of Equipment
- Computer Breakdown
- Terrorism
- Guests Personal Effects
- Property in the Open
To discuss your requirements further please speak to one of the team on 01604 630003.
