Running a hotel involves a complex balance of guest satisfaction and operational risk management. At Clopton Capital, we help you design hotel insurance programmes that protect your assets, your guests, and your reputation. Whether you operate a boutique B&B in the Cotswolds or a large-scale commercial hotel in London, we align your coverage with both your risk profile and your lender’s requirements.
Insurance products are offered through Clopton Insurance Services, LLC.
A standard “off-the-shelf” policy often leaves significant gaps. We focus on a comprehensive suite of hospitality-specific protections:
Public & Guest Liability: Essential cover for claims arising from slips, trips, falls, or accidents on your premises. Standard industry limits typically range from £5 million to £10 million.
Employers’ Liability: A legal requirement in the UK if you have any staff (including part-time or seasonal). Our policies provide the statutory minimum and can be scaled to higher limits.
Product & Liquor Liability: Protection against claims related to food poisoning or incidents arising from the service of alcohol at your hotel bar or restaurant.
Cyber Liability: Covers data breaches and the compromise of sensitive guest booking or payment information.
Buildings & Contents: Protects your physical structure, fixtures, and expensive equipment from fire, flood, and theft.
Business Interruption: Replaces lost revenue and covers ongoing expenses if a covered event (like a major fire) forces you to close your doors.
Machinery & Equipment Breakdown: Essential for the repair or replacement of critical systems like HVAC, boilers, and commercial laundry units.
Loss of Licence: Protects your business value and provides legal support if your alcohol licence is revoked due to circumstances beyond your control.
We don’t just provide quotes; we act as your risk partner to ensure your business remains resilient in a changing market.
Risk Assessment: We collect loss runs and property data to identify where your premiums can be reduced through better safety protocols.
Lender Alignment: We ensure your policy meets the strict insurance checklists of your mortgage provider, avoiding delays at closing or renewal.
Market Competition: We market your risk to a broad panel of A-rated UK carriers to find the optimal balance of price and protection.
2026 Readiness: We help you navigate new regulations like Martyn’s Law (Terrorism) and updated health and safety standards.
Don’t wait until your renewal date to find a better rate.
Employers’ Liability is a legal requirement if you have staff. While Public Liability and Buildings Insurance are not always mandated by law, they are almost universally required by lenders and commercial leases.
Yes. We specialise in multi-location schedules, which often provide better economies of scale and simplified management.
Most standard policies provide limited cover for guest belongings under the Hotel Proprietors Act 1956, but we can offer enhanced “Guest Effects” coverage for higher limits.
We require the property address, rebuild values, construction details (year built, roof type), revenue breakdowns (room vs. F&B), and at least 3 years of loss history.
