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.

0344 346 0409
0344 346 0409 Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm
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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 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.

Customer Reviews (1707)

Customers rate our service at 92%

Based on 1707 independent customer reviews.

DateProductScoreCustomer Comment

Landlords Insurance (New Policy Holder)


You were very business-like and in touch with my needs, which was most helpful as providers of similar insurance were not.

Office Insurance (Renewal)


If there was a category of ok I would use that. I requested a quote around 2 weeks before the renewal but was not sent it until the day before.

Landlords Insurance (New Policy Holder)


The service was good for our needs.

Office Insurance (Renewal)


It was just a routine renewal. there's nothing else to say.

Home Business Insurance (Renewal)


prompt reminders, efficient service.

Landlords Insurance (Renewal)


Good service

Landlords Insurance (Renewal)


very straight forward

Office Insurance (Renewal)


Good that they remind us when payment is due, and always on the end of the phone if you need them

Office Insurance (Renewal)


It was just a brief phone call - fairly efficient

Landlords Insurance (New Policy Holder)


Very good service. All done over telephone. Very helpful. I would recommend

View all reviews >>

0344 346 0409
0344 346 0409 Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm
Get a quote Request a callback
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