Hotel insurance

Hotels face unique risks, from guests and events to staff and property. The right insurance protects your business so you can focus on delivering great experiences.

What a hotel insurance policy covers

Hotel insurance is designed to combine the essential protections a business like yours needs into one tailored package. Typical cover can include:

Property damage

Protects your buildings, contents, and guest belongings against fire, flood, storm, and other perils

Business interruption

Provides financial support if you cannot trade following a loss such as fire or major water damage

Public liability

Covers claims from guests, visitors, or contractors who suffer injury or property damage on your premises

Employers’ liability

Protects you if an employee is injured while working for you

Money and goods in transit

Safeguards cash handling and stock movements

Loss of licence cover

Vital for hotels where food and beverage sales are central to the business

Terrorism & crime cover

Optional extensions for businesses with higher exposure

Optional extensions can also be arranged to suit your specific operations, something that can be discussed once we learn more about your business.

What we do for our clients

Every hotel is different—whether you run a boutique guesthouse, a city centre property, or a large resort. As your insurance broker, our role is to:

Assess your risks – We take the time to understand how your hotel operates and where your exposures lie.
Design the right cover – We tailor policies to match your property, staff numbers, services, and risk profile.
Negotiate with insurers – Using our market access, we secure competitive terms that balance cost with comprehensive protection.
Support you both during the year and at claim time – If you need us or if something goes wrong, we will guide you through the claims process to achieve a fair and prompt outcome.

Why it matters

Insurance isn’t just about ticking a box. For hotels, it protects your investment, safeguards your staff and guests, and ensures your business can recover quickly from unexpected events. By working with a broker, you gain an advisor who understands both the insurance market and the hospitality industry in Ireland.

Hotel & Hospitality Hotel Staff Hotel Lobby Breakfast Towel (1)

Benefits of choosing clear insurance brokers for your hotel cover

When you partner with us, you don’t just get an insurance policy—you gain a trusted advisor who understands the pressures of running a hotel in Ireland. Here’s what that means for you:

Peace of mind

Know that your property, staff, and guests are properly protected so you can focus on running your business

Tailored protection

Every hotel is different. We build cover that reflects your rooms, bars, restaurants, leisure facilities, and events, rather than relying on “off the shelf” packages

Value of money

We negotiate with multiple insurers on your behalf, securing competitive terms that balance cost with quality of protection

Local knowledge

We understand the Irish hospitality market and the realities of managing hotels in cities, towns, and rural areas

Hands-on claims support

If something goes wrong, you won’t be left chasing insurers. We step in to manage the process and fight your corner

Risk guidance

Beyond the policy, we advise on risk management steps that can reduce claims and keep your premiums under control

Long-term relationship

As your hotel grows, diversifies, or renovates, we adjust your cover so it always fits your needs

Why choose Clear Insurance Brokers for your hotel insurance?

Independent advice – We’re not tied to one insurer, so our recommendations are shaped by your needs, not by a single provider’s products.
Specialist hospitality focus – With 15+ years of experience insuring hotels, pubs, and restaurants, we understand the risks unique to your sector.
Local broker, national reach – With offices in Dublin, Cork, Kerry and Waterford, we combine personal service with access to all the major Irish and UK insurance markets.
Tailored hotel cover – From boutique guesthouses to large resorts, we design policies that fit your business—not the other way around.
Competitive terms – Our market knowledge and insurer relationships help us secure cost-effective cover without cutting corners.
Proactive claims support – We manage claims for you from start to finish, ensuring fast, fair outcomes.
Risk management guidance – We go beyond insurance, helping you reduce risks and keep premiums sustainable.
Accessible & personal service – No call centres or waiting in queues just direct access to a dedicated advisor who knows your business.
Future-proof cover – As your hotel expands, renovates, or adds new services, we adapt your insurance to match.
Trusted partnership – Our goal is long-term relationships, not one-off transactions.

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Donncha Molloy

087-6689527

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Frequently asked questions

What type of insurance does a hotel need in Ireland?

Hotels typically need a package policy that covers buildings, contents, business interruption, public liability, employers’ liability, and loss of licence. Depending on your facilities, cover can also extend to gyms, spas, leisure centres, or events hosted on-site.

How is hotel insurance different from standard business insurance?

Hotels face unique risks—guest safety, high footfall, food and drink service, employee numbers, and valuable property. Hotel insurance is specifically designed to combine all of these exposures under one tailored policy, rather than using a generic business package.

How much does hotel insurance cost?

Premiums vary depending on factors such as the size of the property, number of rooms, staff count, facilities offered, and claims history. As brokers, we shop the market on your behalf to secure competitive terms.

Do I need insurance if I lease or manage the hotel but don’t own the building?

Yes. Even if you don’t own the property, you still need liability cover for guests and staff, business interruption cover, and protection for contents and stock you are responsible for. The landlord typically insures the building itself.

What happens if my hotel has to close temporarily after a fire or flood?

Business interruption cover is designed for this situation. It provides financial support for lost income and helps cover ongoing expenses such as staff wages until you can reopen.

How does a broker help at claims stage?

Instead of leaving you to deal with insurers directly, we manage the claims process on your behalf—handling paperwork, negotiating with insurers, and ensuring you get a fair settlement as quickly as possible.

Can you also insure smaller properties like guesthouses or B&Bs?

Yes. We work with a wide range of hospitality businesses—from small family-run guesthouses to large hotels and resorts. Each gets the same level of tailored advice and support.

Why should I use a broker instead of going direct to an insurer?

A broker gives you independent advice, access to multiple insurers, and support at claims time. Going direct means you’re tied to one insurer’s wording and left to manage claims yourself.

Why Clear?

Industry-recognised for being people-first, our team of specialists supports start-ups, SMEs, corporates, multinationals and individuals.

Trade specialists

We offer broad and bespoke sector specialist insurance solutions for peace of mind.

Over 40 years of experience

We have been serving the Irish business community since 1982, and we are committed to maintaining the highest standards of knowledge, ethical practice and advice.

Exceptional service

We're dedicated to providing exceptional customer service to respond proactively to the needs of our clients. We live by our tag line of ‘’do the right thing’’ for our clients, staff and insurers.