Hotels, bed and breakfasts and guest houses face a wide range of risks, from guest safety and property damage to business interruption and staff related claims. Thornhill Insurance has been arranging insurance for hospitality businesses for many years, providing tailored cover for everything from small B&Bs to large hotels with hundreds of bedrooms.
Our experienced team works closely with hospitality businesses to arrange insurance that reflects how each property operates. By understanding your premises, occupancy levels, staffing and services, we ensure your policy provides appropriate protection at a competitive price.
Insurance packages can be designed to protect your business against both day to day risks and more serious incidents, allowing you to operate with confidence and focus on delivering an excellent guest experience.
We never compromise on cover
Our packages can be built around the following:
Frequently Asked Questions About Hotel, B&B and Guest House Insurance
What is hotel and guest house insurance?
This insurance is designed to protect hospitality businesses against risks such as guest injury, property damage, loss of income and staff related claims.
Is public liability insurance included?
Yes. Public liability insurance is included as standard and can be arranged with cover up to £10 million.
Do I need employers’ liability insurance?
If you employ staff, employers’ liability insurance is a legal requirement and can be included with cover up to £10 million.
Does the policy include business interruption cover?
Yes. Business interruption insurance can be included to protect against loss of income following insured events such as fire, flood or theft.
Can buildings and contents be insured?
Yes. Buildings, fixtures and fittings, contents and stock can all be included within your policy.
Is stock such as wines and spirits covered?
Yes. Wines, spirits and other stock can be insured, subject to policy terms.
Can goods in transit be included?
Yes. Goods in transit cover can be added to protect items while being transported.
Is this insurance suitable for both small and large properties?
Yes. Cover can be arranged for small guest houses as well as large hotels.
Tailored Insurance for Hospitality Businesses
Hospitality businesses require insurance that reflects constant public access, overnight guests and operational demands. Thornhill Insurance works with specialist insurers who understand the hospitality sector and can provide reliable, comprehensive cover.
Our tailored approach ensures your insurance matches your property type, size and services, without unnecessary exclusions. Regular reviews help keep your policy aligned with changes to your business.
With dedicated account handlers and expert claims support, you can be confident your insurance will respond when it matters most.
Our Office
Address: 334 Huddersfield Road, Mirfield, WF14 9DQ
Email: info@thornhillinsurance.co.uk
Phone: +44 (0)1924 499182
Freephone: 0800 8818841
Fax: +44 (0)1924 480106