Hotel and Guesthouse Insurance

Accommodating your hotel & guest house insurance needs, whether you run a bed and breakfast, a boutique hotel or a guesthouse.

When it comes to the hospitality industry, we know that every business is unique. From buildings and contents cover through to business interruption and loss of licence, you can be sure that our hotel and guest house insurance policy is designed specifically for your business.

0844 346 0409
01883 724 013 Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm
Get a quote Request a callback

Hotel & guesthouse insurance features

  • Buildings insurance

  • Accidental damage cover

  • Loss of licence

  • Business interruption

  • Employers' liability

  • Public liability

  • Products liability

  • Legal expenses insurance including cover for contract disputes

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.


Hotel & guesthouse insurance exclusions

  • Policy excess as shown in your policy documents

  • Deep fat frying condition for those with frying equipment

  • Minimum security condition

  • Play equipment warranty for those with play equipment

Exclusions vary depending on the type of cover chosen within your hotel and guesthouse insurance. Please see policy documents for full details


Hotel & guesthouse insurance FAQs

What insurers do you use as a Broker?

We use some of the top insurers on the market, Towergate Commercial Underwriting, NIG, Zurich, Fortis, Groupama and Liverpool Victoria

Can you offer cover for Hotels with leisure facilities?

Yes. Through our panel of insurers we are able to offer cover for those larger premises offering leisure facilities

Can you offer subsidence cover and buildings insurance?

Yes, we can offer both covers for the premises, whether it's your own home you are operating as a B&B or a Hotel you lease

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.


Hotel & guesthouse insurance claims promise

With Towergate you can be confident that, in the event of the worst happening, your claim will be handled by a dedicated claims team offering the exemplary, fast and efficient service that we expect from our own teams and from our partners.

Simply contact the hotel and guest house claims team using the details within your policy documents, or call us on 0844 892 1384 and we will put you through to the claims team. They will talk with you about your claim, guiding you through your next steps and taking you through the process.

Furthermore, if you feel you need additional support or if you have concerns about the progression of your claim, our in house team are always on hand to help.

Customer Reviews (1915)

Customers rate our service at 93%

Based on 1915 independent customer reviews.

DateProductScoreCustomer Comment

Shop Insurance (Renewal)



Shop Insurance (Renewal)


Very good service speedy and knowledgeable.

Have been with Towergate 6 years no other insurer can touch them for service and price. We produce a schedule of our needs and send it to whom contacts us asking if they may quote.
Some of the quotes are ridiculous

Shop Insurance (Renewal)


As usual their attention to detail is rubbish at best however I struggle to find a company that competes with them on price.

Landlord Insurance (New Policy Holder)



Landlords Insurance (Renewal)


Absolutely fine

Home Business Insurance (Renewal)


Took a ridiculous time to arrange my present cover. Original enquiry was back in Oct 14 leaving, what I thought was plenty of time to get things sorted in time for my business move at the beginning of Jan 15 but no, it was late Jan before it was finally sorted. Pleased with the cover offered considering no other companies seemed interested in helping me though just a shame I am now on first name terms with just about everyone at FSB Insurance following all my chase-up calls!

Landlords Insurance (Renewal)


Good service so far. No claim made yet so can't comment on this as yet.

Landlords Insurance (New Policy Holder)


Very Good, But far too many questions to get a quote!!10-15 mins on phone is too long and i think unnecessary. But we still love towergate.

Landlords Insurance (Renewal)


I managed to do a deal with them as I felt that their admin charge was unnecessarily high. As a result I am a happy customer.

Home Business Insurance (Renewal)


It's insurance, so it's pointless to seek my opinion until I actually have to claim - I hope it never happens, but if it does then that's the point at which my opinion of your service actually means something.

View all reviews >>

0844 346 0409
01883 724 013 Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm
Get a quote Request a callback
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