Whether you own a hotel, resort complex, bed and breakfast or holiday cottage, if you are in the short-term accommodation market in Britain there may be strong and compelling reasons for purchasing public liability insurance.

This form of cover will ensure that your enterprise is protected from liability for claims made by paying guests who sustain injury while on your premises. Additionally, it will also indemnify you against claims made by other third parties who might suffer injury in an accident. These other third parties could be non-paying guests, contractors, friends, family, licensees or trespassers. However, public liability cover will not insure you against accidents involving employees; employers' liability cover will be necessary for this eventuality.

Public liability cover for hotels and holiday complexes

Public liability insurance is considered essential for most hotels. Larger enterprises will generally have a high turnover of both guests and contractors, as well as a license to serve or provide alcohol, a fact reflected in their relatively high risk ranking in the actuarial models of insurers.

Public liability cover for bed and breakfasts

A B&B can be much more than a side income. In fact, having three fully booked rooms at a ‘boutique' B&B can provide an income easily surpassing £1,400 a week. This viability of the B&B business means that increasing numbers of owners are considering the benefits of having cover that protects them from claims made by guests and other third parties.

Public liability cover for holiday cottages

Holiday cottages can be a useful source of extra income, they can also, if not properly managed, incur extremely high management costs; and no cost is likely to be more crippling than that of a compensation claim. As a result, most letting agents will demand that owners have public liability cover that is worth at least £1 million, making it all the more pressing that owners find the best available quote.

Warrings - public liability insurance specialists

Warrings provides a full range of tailored insurance solutions to clients in the accommodation and leisure industries.

We draw on our strong partnerships in the insurance industry to provide public liability insurance that is comprehensive and competitively priced.

To speak about your company's needs with a specialist today, call 0844 209 0566.