Buildings
- Fire, storm and water
- Lifts and climate control
- Outbuildings
Insuring a hotel
A hotel combines a large building, continuous occupancy and guests who sleep there. That last point makes fire safety weigh more heavily here than in any other part of the hospitality trade.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
A hotel insures the building at rebuild value, the business contents including room furnishings, and liability towards guests.
The element most often missing is business interruption: after a fire the loss is not the building but the months without bookings while the fixed costs continue.
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We compare your buildings insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Hotel: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Business contents
Room furnishings, kitchen, spa and stock.
- Beds and furniture
- Kitchen equipment
- Linen and stock
Business interruption
The months without bookings while the costs continue.
- Loss of gross profit
- A long indemnity period
- Winning bookings back
What is covered
| Situation | Covered |
|---|---|
| Fire or water damage to the building | Yes |
| Damage to room furnishings and the kitchen | Yes |
| Loss of turnover during the rebuild | Sometimes |
| Injury to a guest in the stairwell | Sometimes |
| Guests' luggage or belongings | No |
| Deferred maintenance | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Rebuild value of the premises
- Number of rooms and occupancy
- Fire prevention systems
- Kitchen and spa facilities
- Gross profit insured
- Indemnity period chosen
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Fire safety with sleeping guests
Escape routes, fire detection and evacuation systems are not a recommendation here but a condition of acceptance.
Guests' property
Damage to or loss of luggage in rooms or the cloakroom falls under care, custody and control and is not covered as standard.
Business interruption and the indemnity period
Allow for the rebuilding time and for winning bookings back. For a hotel, 52 weeks is often too short.
Sleeping guests make fire safety a question of acceptance
In a hotel, escape routes, fire detection and evacuation systems and compartmentation are not a recommendation but a condition. Insurers ask for the certificates and for the maintenance contract on the system. That weighs more heavily than in any other form of hospitality, and it determines whether you are accepted at all.
Frequently asked questions
This is what people ask us most.
Why does fire safety weigh more heavily in a hotel?
Because guests sleep there. Insurers therefore set requirements for detection, evacuation and escape routes that do not apply elsewhere.
Is guests' luggage insured?
Not as standard. Property in your care falls under the care, custody and control exclusion; separate cover is needed for that.
Which indemnity period should I choose?
Work back from full occupancy: demolition, permits, rebuilding, fitting out and winning bookings back.
Do I need extra cover for the kitchen?
Yes, with the same prevention requirements as in the hospitality trade, including periodic cleaning of the extraction duct.
Which indemnity period should I choose for business interruption?
Work back from full occupancy: demolition, permits, rebuilding, fitting out and winning bookings back. For a hotel, 52 weeks is often too short.
Is guests' luggage insured?
Not as standard. Property in your care falls under the care, custody and control exclusion; separate cover is needed for that.
Every situation is different. For these situations we have a separate page.
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.