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 (24)

Our Property Insurance service rated at 79%

Based on 24 independent customer reviews.

DateProductScoreCustomer Comment

Shop Insurance (Renewal)


I am not impressed by your service as a member of the FSB my insurance went up by over 10% despite not having made a claim ever.
I will shop around for a better quote next year.

Hotels & Guesthouse Insurance (Renewal)


This rating could have been better, but I spent about two weeks and many phone calls waiting for my insurance to be reassessed as I thought the increase in my policy was a bit high with there being no claims and no changes from the previous year.
This was no reflection on the staff who I spoke to on the phone as they were very helpful and would rate them as excellent, but they could not get the policy back from the people who make the decisions.
In part me asking for the reassessment caused the delay but was very happy with the final outcome.

Landlords Insurance (New Policy Holder)


V helpful that the person I dealt with emailed me so I could deal with the quote in my own time. V polite and helpful

Landlord Insurance (Renewal)


Each year at renewal you quote an increased price just to see if I will pay it, even though there has been no claim, then when I complain you reduce the price. This shows you will shaft your customer if you can get away with it!

Landlord Insurance (New Business)


I had no problem with the arrangement of the policy but have had to make numerous telephone calls to try and receive the documents. Today, 14th November I spoke to Mikey Barnett-Evans who e-mailed them through to me as he said he would. I will await receipt the documents by post and see whether they transpire.

Landlord Insurance (New Business)


Helpful and swift

Landlord Insurance (New Business)


Representative was knowledgeable in answering my questions and clarifications. Processed was smooth through use of email.

Landlord Insurance (New Business)


Great customer service so far.

Landlord Insurance (New Business)


Very clear and straight forward to choose the cover required thank you

Landlord Insurance (New Business)


'New business' representative responded promptly and offered to phone me to facilitate things.

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
Feefo logo

Request a callback

Full name   Contact number     Please note: This service operates only during office hours.