Owners of a hotel, guest house or B&B require buildings and content cover like any other property owner. If you employ any staff then you are required by law to have Employers' Liability. These things are all standard, a few things often overlooked when insuring a hotel, guesthouse or B&B.
Most contents policies, or business stock policies will only cover theft if it required forced entry or violence. Most hotels and many guesthouses and B&Bs leave the door open and target objects are freely within reach of thieves, standard policies will not cover this. As such hotels guesthouses ad B&B's should strongly consider a full theft policy which will protect against any theft regardless of the circumstance.
Employers are responsible for the health and safety of their employees while they are at work. Your employees may be injured at work or they, or your former employees, may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible. The Employers’ Liability (Compulsory Insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims.
Similarly to Employers' Liability this covers any injury or illness that any member of the public may incur due to partaking in your services or that is in some way your responsibility. Unlike Employers liability this is not required by law, although it is a very good idea for anyone in the leisure industry to have public liability. Without public liability the company, or even its directors or owners can be held responsible for any loss or claim, potentially bankrupting not only the business but its owner or directors as well.
Town & Country works with many insurers, we have excellent working relationships with all our markets and can achieve rates and cover levels our colleagues in the industry find it difficult to replicate.