Hotel & Guesthouse Insurance

Kestrel Insurance is proud to introduce our new Hotel and Guesthouse policy, expertly crafted to meet the evolving needs of the Isle of Man’s unique hospitality sector.

As a local business established on Bucks Road in 1989, we believe that supporting local businesses is key to the island’s thriving community. Our new Hotel and Guesthouse policy has been expertly designed by local industry experts to support and develop the island’s dynamic hospitality landscape.

Comprehensive Protection

Our policy is designed with the specific needs of Isle of Man hotels and guesthouses in mind

Local Expertise

Developed by local professionals who understand the unique aspects of doing business on the island.

Tailored Coverage

From property damage to liability coverage, our policy ensures your business is well-protected.

Risk Management

Expertise to reduce or eliminate risk from your business with the help of our specialist health and food safety consultants.

Specific cover details include:

  • Building Insurance
  • Business Interruption
  • Contents Insurance
  • Deterioration of Stock
  • Goods In Transit
  • Loss Of Licence
  • Money and Personal Assault
  • Public, Products and Employers Liability
  • £100,000 Legal Expenses*
  • 50% Seasonal Increases to stock sums insured as standard
  • Loss Of Licence
  • Larger Hotels-Average Waiver (5 Year Valuations and Index Linking)
  • Larger Hotels-Bedbugs Infestation- Positive Cover including Clean-Up
  • Larger Hotels- Outside Catering &/or Exhibitions

* single loss limit is £100,000 any one claim and aggregate limit is £1,000,000 any one period of insurance