Cactus Cover has been providing hotel insurance and guesthouse insurance for over a decade which is why we know what we are doing when it comes to insuring your hotel or guesthouse.
A majority of the owners of hotels & guesthouses live on the business premises, that’s why we give you an additional option to insure your own personal contents or the resident managers within our policy.
We know that running a hotel or guesthouse can be stressful and time consuming but using Cactus Cover for your hotel insurance or guesthouse insurance could save you time and money!
When you insure the contents and stock of your hotel or guesthouse, our product includes a wide range of standard benefits for FREE including:-
- Business interruption & Loss of account receivable
- Loss of money from the business
- Loss of personal money & fraudulent use of personal credit cards
- Personal assault
- Breakage of glass
- Loss of liquor licence
- Loss of freezer contents
- Seasonal increase for stock at busy periods of 30%
- Outside catering cover for property insured and liability
- Damage to property in the open
- Personal effects of guests up to £2500 per guest
- Loss of metered water
- Damage to landscaped gardens
- Rent/Lease payments following damage
- Damage to external blinds & signs
- Theft of Keys
- Goods in transit
- Employers liability £10,000,000
- Public & products liability £2,000,000
- Legal Expenses cover for £100,000
Apart from the standard cover above, here are some other benefits:-
- Competitive premiums
- Full ‘all risks’ policy including Accidental Damage
- No claims bonus discount available up to 50%
- Theft by employees cover available
- Terrorism cover available
- Buildings cover available
- Subsidence cover available
- Cover for specified business items available anywhere in the U.K & up to 30 consecutive days elsewhere in the world.
- Household contents available for the proposer or resident manager living at the premises