Hotels, Guest and Public Houses Insurance

This specially developed policy lets you get on with your day to day business and leaves us at New India to deal with the unexpected. Designed specifically for Hotels, Guest and Boarding Houses and Public Houses, it combines your essential business insurances in one document.

When you take out a policy you will gain access to free Emergency Assistance and Legal & Tax Advice Helplines along with a Business Legal Services website resource all operated by ARAG Plc.

Our standard policy includes cover for;  

  • Contents and Stock with an option to extend to include cover for Household Contents, Tenants Improvements or Guests Effects
  • Seasonal Stock Increase of 50% for November/December and 20% for January and 14 days prior to and Bank Holiday
  • Escape of draught beer, minerals and other draft beverages (excluding spirits) from storage containers and connected apparatus
  • Accidental Damage to underground pipes, services and cables
  • Cover for Stock temporarily removed for catering at local events or functions
  • Replacement of locks at the property following theft of keys up to £500
  • Loss of metered water up to £5,000
  • Breakage of fixed glass and signs
  • Loss of Income and Additional Expenditure – standard limit of £600,000 with 24 months maximum Indemnity Period, with option to increase.
  • Extensions include loss of income due to Denial of Access, Accidental Failure of public utilities, Notifiable Diseases, Defective Sanitation, Vermin or Pests and Murder or Suicide.
  • Costs of Alternative Accommodation expenses for residential owner, steward or manager up to £25,000
  • Money up to £3,000 with option to increase
  • Cover for bodily injury sustained directly as a result of assault or violence in connection with Theft
  • Public and Products Liability £2,000,000
  • Employers Liability £10,000,000
  • Extension to include liability for the provision of bar and catering facilities at local events

Further options available to include cover for;

  • Damage to Buildings including Debris Removal and Architects and Surveyors Fees
  • Deterioration of frozen and chilled Stock following breakdown of refrigeration equipment up to £5,000
  • Reduction in the value of the business following loss of licence up to £100,000
  • Loss or damage to Goods in Transit (including whilst loading and unloading) up to £5,000
  • Loss of money or other property following dishonesty of employees up to £10,000
  • Legal Costs and Expenses up to the Limit of Indemnity selected relating to Employment Disputes, Employment Compensation Awards, Tax Protection, Property Disputes, Tenancy Protection, Compliance and Regulation, Directors Protection, Statutory Licence Protection and Contract & Debt Recovery.

Suitable Risks;

  • Bed & Breakfast / Guest House
  • Hotel (including those accommodating DSS referrals)
  • Public House (including those with entertainment and/or restaurant facilities)
  • Wine Bar / Late Bar
  • Social Club

Positive Features;

  • Low claims frequency
  • Trading history and experience
  • Superior security features
  • Overnight occupancy
  • Low flood risk
  • Low Subsidence risk

Unacceptable Features;

  • Non-Standard Construction
  • Unoccupied risks
  • Sports Facilities
  • Unspent Criminal Convictions
  • Previous Liquidation / Bankruptcy / CVA


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Claims Information

Our Claim Promise

Attending to claims promptly, handling them efficiently through reputed, reliable and well-known firms of Loss Adjusters and settling the claims in a just, equitable and fair manner is New India’s philosophy to claims.

We handle claims with understanding, sympathy and appreciation of the claimant’s situation.

Making a Claim

  • Please report your claim immediately in accordance with your policy conditions to your Broker and to The New India Claims department using the number supplied below.
  • To ensure a faster, easier service please make sure you have your policy number and any other relevant details to hand.
  • In the event of any loss by theft or malicious damage to your property, this should be reported to the police immediately.
  • A claim form must be duly completed and submitted to The New India Claims department using the address or fax number below within 60 days of the loss/damage.

Please do not delay in contacting your Broker or the Claims Department of New India as soon as you are aware of a claim or possible claim, even if all the above information is not immediately available.

Commercial Claims Office