Hotel and Guest House Insurance Faq

Yes, some insurers may insure your vehicle/s, on the same policy.

Unfortunately, our policies are designed for only one establishment per policy. You can hold more than one policy.

If your guest house has between 4-12 bedrooms with a bar or restaurant attached, Insurers will most likely be able to cover your under guest house insurance. If your main business is the making and serving of food or drink and you have no more than 4 bedrooms, your coverage is better suited under the Restaurant/Bar/Takeaway Shop insurance. Please contact us if you have any questions or concerns regarding which insurance would be right for you.

We do no limit the number of staff under your guest house insurance policy, but we do ask how much you pay in wages each year.

In some cases, yes. Please discuss this with your insurer.

Yes, our policy provides for restaurants attached to guest houses, even if they are open to the public/non-guests. Please make sure to make this clear on your application what type of guest house you own.

Depending on its use, your private function room should be covered, but please inform us of its uses when applying for a quote so we can best determine if it will be covered.

We are only able to provide coverage for your guests and you as the business owner for activities on the premises of your Hotel / Guest house.

As long as you have buildings coverage as part of your hotel insurance, your grounds, car parks, etc. are all protected under the policy, subject to our terms and conditions.

Unfortunately, our Hotel / Guest House coverage is for properties that are open year round; we cannot cover hotels that are closed for more than 21 days per year.

Your personal living space is covered by public liability because of the possibility that a guest could find their way into your private quarters. You are not, however, covered for your personal contents under the regular policy; this would require the additional personal household contents coverage.

This is considered part of the standard coverage for Hotel/Guest House policy, however, please confirm this with your insurer

Rebuild value is the amount of money it would cost to completely rebuild your building/property in the event it was destroyed beyond repair. The rebuild value puts your home back to the condition it was before the irreparable damage occurred. The rebuild value is different than your property's resale or market value. Your rebuilding cost can be obtained by having a qualified individual such as surveyor, mortgage adviser, or leasing agent, examine your property or by finding 'rebuild calculator' online.

Public liability coverage protects you as the property owner from legal liability for death or bodily harm on third-party individuals (other than an employee). It also covers loss or damage to third party property from out of the operation of your business.

Your insurance coverage quote is valid for 30 days from the day you receive it; you can only request a quote within 30 days in advance.

Employer's liability coverage protects you as the property or business owner against any claims for compensation from employees who are injured on the job that you are legally liable.

Your policy documents will include any related exclusions, terms, and conditions. For particular questions regarding your policy and any exclusions, please contact our customer service representatives.

The excess or out of pocket cost to you for your policy is found within your policy documents on the 'Your Summary' page. If you have any additional questions, please contact us.

We accept only payments via monthly debit order, or annual payment by bank transfer. We do not accept cheques or cash.

Yes.