Beach Hotel Insurance 

Specialist insurance for beachside and coastal hotels, cover for your building, contents, staff and guests. 
Are you looking for Beach Hotel Insurance? 
Fill in the form on the right and one of our expert team will be in touch as soon as possible. 
 
Owners of beachside and coastal hotels and properties require different cover to regular hotels and guesthouses. As a beach hotel your building may not be covered by standard insurance policies, especially if it's seen to be in a high-risk location. Coastal erosion and flooding can be a cause for concern with insurance for beach properties so ensuring you have the correct cover is vital. 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 your beach hotel. 
 
Whether a hotel faces simple or complex risks and no matter how organised you are, or how talented your hotel staff may be – accidents do happen, and your business may be held liable. Expensive hotel insurance claims could result in lengthy legal battles, costly compensation and reputational damage. Our expertise and sector-specific knowledge allow us to provide cover across the hotel industry. With our range of insurance products, we have something to suit all industry features - from the property, business interruption and liability insurance to the growing need for cyber coverage. 
 
Town & Country can help you find insurance that covers all essentials. Our professional and dedicated staff take the time to get to know you and your business, ensuring you have the correct cover and at a premium that suits you best. We can accomplish this via one of our reputable insurers and in most cases can offer a site visit to take your information. 
 
For a free, no-obligation quote simply provide your contact details in the form or give us a call now on (01769) 572557 and talk to one of our specialist advisers. 
Expert Advice  
Over 80 Years Experience  
Get Your Insurance Quote Today 
Simply fill out the form below and one of our team will be in touch as soon as possible. 

Specialist Beach & Coastal Hotel Insurance Brokers 

Town & Country are specialists hotel & accommodation insurance brokers. We have an excellent track record with insurers and hospitality clients across the UK. 
 
We keep on top of the market to ensure the best hotel home insurance rates and covers for your business, staff and guests. Your business is our business and we want to make sure you are fully protected and not paying too much for the cover you're getting. In all circumstances, we look to arrange a safe meeting at your premises. We know Covid-19 has had a large effect on the hospitality industry, so if meeting face-to-face isn't possible we can take your details over the phone and arrange cover this way. We are flexible and professional always. Our offer to see every client, we think, is unique in the current market. 
 
Popular Insurance Types: 
 
Public Liability Insurance 
Protects you against compensation claims made by a member of the public for injury or damage to their personal items that they blame on your business. For example, if a hotel guest slips on your lobby floor because it’s wet from cleaning and there’s no warning sign. 
 
Employers’ Liability Insurance 
If you employ any staff then you are required by law to have Employers' Liability. You may face steep fines if you don’t have a suitable policy in place. It covers claims made against you by an employee for injury or illness that’s due to their work. 
 
Business Buildings and Contents insurance 
Contents insurance can help your hotel if it suffers damage as a result of something like fire, flood or burglary. You can also add business turnover protection - also known as business interruption cover - which can protect your income if you have to close your hotel because of damage. 

Frequently Asked Questions 

Read some our our most frequently asked questions about our insurance policies. 
Our policies are designed to cover the risks you face whilst trading, protecting assets such as buildings and content on an 'all risks' basis, we can extend to cover non-standard risks as well as traditional or standard properties, the policy extends to include protecting your trading income following such losses as well as your liabilities to members of the public or of course those you are liable for as an employer. 
Options exist to prepay the year, at inception of cover or to spread the costs over a number of monthly instalments, subject to a small surchage madevia the renowned insurance financer Clos Bros Premium Finance who assist our clients fund the monthly direct debit facilities. 
When considering claiming our first suggestion is always to speak with us, discuss the circumstance of the loss and we can then assist you in preseting the loss fully to the underwriters, so it can be administered and settled as quickly as possible, if the loss is substantial we will negoiate the attendance of a loss adjuster to work through the claim with you and get you speedily reinstated, if the loss is a liability one (public or employers) we would urge you to speak with us as quickly as possible post incident or on notification as early collection of data is key to any defence or explanation 
Why Town & Country? Well we like to think thats a pretty simple answer, we believe we are the best, the best in extracting the right information and working with you at the outset so the policies are correctly and competitively underwritten, then the same staff member handles your case building a rapprt and relationship with you dealing with any amendments you might need and handling any claims and before taking updated iinformation to secure appropriate renewal terms. Ours is a crade to grave all encompassing solution to your businesses insurance requirements, we act like one of your own staff or team members and pride ourselves on a service that has kept us doing just what we are doing for over 80 years 
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