Austria
Belgium
Denmark
Estonia
Finland
France
Germany
Greece
Iceland
Ireland
Italy
Netherland
Norway
Poland
Portugal
Spain
Sweden
Switzerland
Turkey
United Kingdom
Australia
Hong Kong
New Zealand
India
Indonesia
Japan
Malaysia
Philippines
Singapore
Thailand
Brazil
Chile
Colombia
Mexico
Peru
Bahrain
Israel
Morocco
UAE
Oman
Tanzania
For customers, your hotel is a place to unwind. For you – whether providing a simple bed for the night or a luxury five-star experience – running a hotel is a complex operation. Our specialist hotel insurance provides complete peace of mind.
101 reasons Howden hotel insurance
Restaurant and bar? Swimming pool and spa? We can handle it all. Plus we pay attention to the finer details, like cyber cover for the personal data you handle, up-to-date building valuations to prevent underinsurance, and dedicated risk management that not only saves you money but can help prevent claims in the first place.
We know the hospitality sector inside-out, so we can spot when you need extra protection or where you could save on your insurance premium spend – whether you run a boutique hotel, independent B&B, or international hotel group.
We know you have budgets to balance, so we offer more than just your policy – we provide real value and peace of mind, delivered with a personal touch.
Hotel cover all figured out
There are 101 reasons to choose Howden for your hotel insurance. Here are five for starters:
People come first
Building strong relationships for the long term
Value as standard
The cover you need without paying for the cover you don’t
Attentive service
From cover to claims, for your exact needs
Specialist knowledge
Specialist teams experienced in the hospitality sector
Local service, global broker
Wherever you are in the world, we’re local to you
What would you like?
Some of the most popular types of restaurant insurance we can offer you:
Designed to cover you financially if a member of the public makes a claim against your hospitality business.
Legally required in the UK, employers liability protects your business if an employee makes a claim against you.
Cover in the event of any criminal or accidental damage to your restaurant or hotel's building.
Fridge and freezers, ovens, health and safety gear, PA systems… your hospitality business is likely to be packed with contents that will need replacing if something untoward occurs.
Accidents happen – especially in the kitchen, and even if it’s no-one’s fault, the resulting costs can still add up, so you need to be covered for this.
Whatever the claim might be, you’ll need to legally defend yourself if a claim is made against you, and this policy will cushion that possible financial blow.
If a claim is made against a specific person rather than the business itself, this cover is for legal costs, contributing to any possible settlements or compensation.
If your stock – whether that’s food, kitchen equipment, linen, etc – is spoiled due to outside events, this insurance covers replacement costs.
If your business has to close due to material damage losses, this insurance is designed to indemnify your lost income and cover fixed costs to ensure you can continue to recover to your predicted pre-loss trading position, had the loss not occurred.
Proud platinum sponsor of HOSPA
Making a claim made easy
We’re not just here to collect your premium; we’re here to help you with any claims too. Our claims team have dealt with hundreds of hotel claims, so we know the process inside-out. We can help you present your claim to insurers, to give you the best chance of getting the best result. And if you have a claim made against you, we’ll help to build the strongest case in your favour to your insurer, and make the recommendation that’s in your best interest.
Latest events & webinars we’ve been a part of
- Duty of care and legal risks in hospitality
- Cyber panel discussion at HOSPACE 2024
- Navigating Mergers and Acquisitions in the hospitality sector
Michael Flynn, Client Director at Howden joined a panel discussion with Boutique Hotel News on Monday 3 March. Recent events have highlighted how guest and staff safety is paramount for hoteliers, and understanding the protocols and legal obligations is crucial for protecting your business.
Nikhil Desai, Associate Director at Howden sat down with Jane Pendlebury, CEO at HOSPA at HOSPACE’s 2024 conference to discuss how to use data to understand and mitigate risk.
Watch the recording below.
Ajay Jones, Associate Director at Howden joined a panel discussion to provide insights into how to prepare a business for sale, navigating the complexities of liability structuring and valuations within the hospitality industry.
Watch the recording below.
Case Studies
A track record in resolution and customer satisfaction
While nobody wants to claim against their hospitality insurance, feeling confident in your insurance broker and the package they’ve provided lessens the anxiety if you need to proceed. From saving a large hotel chain over £50,000 on their premium to helping another client get a pay-out for a £25,000 reduction in revenue as a result of a terror attack, at Howden, we always go above and beyond in delivering risk solutions and hospitality cover that makes each and every business we deal with feel looked after.