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.
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.
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
We use some of the top insurers on the market, Towergate Commercial Underwriting, NIG, Zurich, Fortis, Groupama and Liverpool Victoria
Yes. Through our panel of insurers we are able to offer cover for those larger premises offering leisure facilities
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
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
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 0344 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.
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.