Zakelijk • Hospitality • hotel building insurance
Hotel buildings insurance – building insurance for hotels, boutique hotels and guest houses
A hotel is a complex building with... many rooms, guests, installations and logistics. Brand, storm, Water damage of inbraak kan niet alleen grote schade aan het gebouw veroorzaken, maar ook leiden tot langdurige sluiting. Met een building insurance for your hotel ( Building insurance hotel) verzekert u het hotelgebouw tegen schade door onder andere fire, storm, water damage, burglary and vandalism .
Finass Verzekert is a specialist in this hotel and hospitality insurance. We will arrange one tailor-made hotel building insurance en letten op de details die voor Hotels essentieel zijn: brandcompartimentering, installaties (lift, sprinkler, BMI), keuken/restaurant (indien aanwezig), leegstandseizoenen, onderhoud en preventie. Zo krijgt u een polis die écht past bij uw Hotel.
Hotel building insurance in brief
Immediately hotel building insurance verzekert u het gebouw zelf: constructie, daken, gevels, ramen, Fixed installations en gemeenschappelijke ruimten. Dit is de basis van een goede hotel insurance .
Main features
- Coverage for fire damage and smoke/soot damage to the building.
- Coverage for storm and hail damage on roof and facade.
- Water damage due to leakage or burst pipes (depending on the policy).
- Coverage for forcible damage in the event of burglary and damage due to vandalism.
- Compensation of cleanup and repair costs after a covered event.
Finass Verzekert vergelijkt meerdere verzekeraars en adviseert welke Building insurance het beste past bij uw hoteltype, installaties en risicoprofiel.
Why building insurance for a hotel is essential
Many installations and increased risk of damage
Hotels hebben vaak liften, warmwaterinstallaties, ventilatie, airco, brandmeldsystemen en soms een restaurant of keuken. Door deze techniek is het risico op fire and water damage hoger dan gemiddeld. Een hotelopstalverzekering dekt de schade aan het gebouw after a covered event.
Major impact in case of damage and possible closure
Na een grote schade kan het hotel (deels) sluiten. De Building insurance vergoedt de schade aan het gebouw. Voor omzetverlies is meestal een business interruption insurance or loss of rent nodig. Finass Insures helpt u met de juiste combinatie.
Requirements from bank, investor or franchise formula
Financiers en investeerders eisen vrijwel altijd dat het Hotelgebouw goed verzekerd is. Ook franchiseformules stellen vaak eisen aan fire safety en dekking. Met een passende Building insurance voldoet u aan deze eisen.
✔ Protection against fire, storm, water, burglary and vandalism
✔ Tuned in hotel risks (installations, guest flows, seasonal occupancy)
✔ Basis for a complete hotel insurance package
Who is hotel building insurance suitable for?
Hotels and boutique hotels
- city hotels and boutique hotels;
- chain hotels and franchise hotels;
- hotels with restaurant, bar or wellness;
- hotels with meeting rooms or events.
Guest houses, hostels and aparthotels
- guesthouses and B&B-style hotel concepts (business);
- hostels with shared spaces and high occupancy;
- aparthotels with kitchens in units;
- overnight accommodations with seasonal occupancy.
Shared spaces and kitchens often increase the risk: proper coverage is important.
Property owners who rent out hotels
- owner/landlord of a hotel property;
- hotel as an investment object (real estate portfolio);
- combination of hotel with retail or catering on the ground floor;
- agreements about tenant interests and inventory in rental contracts.
Hotel building insurance coverage: what is insured?
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Building and construction
- walls, floors, ceilings and roofs;
- facades, window frames, windows, doors and stairwells;
- rooms, hallways, lobby and common areas;
- extensions and extensions and fixed awnings (depending on the policy).
Fixed installations
- electrical installation and main distribution system;
- central heating, hot water, ventilation and air conditioning (fixed);
- elevator installation (insofar as buildings are insured);
- fire safety facilities (BMI/sprinkler) if present;
- solar panels and charging points (if specified).
Covered events (example)
- fire, explosion and lightning;
- storm and hail damage;
- water damage due to leakage/rupture of a pipe (depending on the policy);
- burglary damage (burglary) and vandalism;
- collision/collision (e.g. vehicle against facade).
Reconstruction value, appraisal and underinsurance
The payment in case of damage is linked to the Reconstruction value from the hotel. Important:
- appraisal or value meter to record the correct value;
- indexation (construction cost development);
- possible guarantee against underinsurance (policy dependent);
- coordination for renovations, extensions and upgrades.
What is often not or only partially insured?
- overdue maintenance, wear and tear or construction errors;
- damage due to intent or recklessness;
- loss of turnover (this requires business damage);
- inventory and goods (requires inventory/goods insurance);
- flooding in certain situations (policy dependent).
Finass Verzekert checks exclusions, clauses and prevention requirements applicable to hotels.
Specific hotel risks: what do insurers pay attention to?
Fire safety and compartmentalization
Hotels have many guests and flight routes. Insurers therefore look at:
- fire compartmentalization and self-closing doors;
- fire alarm system (BMI) and maintenance;
- sprinkler/smoke control (where available);
- periodic checks and evacuation plan.
Water damage (rooms, bathrooms, pipes)
Hotels have many wet rooms and pipes. Risks:
- leakage in bathrooms and shafts;
- burst pipe due to frost or aging;
- damage from blockages and overflowing drains.
Prevention, maintenance and rapid detection are often conditions for coverage.
Kitchen/restaurant and external suppliers
If your hotel has a restaurant or kitchen, the catering risk plays a role:
- grease and kitchen fire risk;
- extraction systems and cleaning frequency;
- suppliers and loading/unloading movements (collision damage).
How much does building insurance cost for a hotel?
The premium depends reconstruction value, construction type, location, number of rooms, installations, fire prevention en eventuele nevenactiviteiten (restaurant/wellness). On The rstaan The voorbeel The n zijn indicatief ter referentie.
Indicative premium examples (business buildings)
| Type of property | Reconstruction value | Bouwaard | Indication of premium per month* |
|---|---|---|---|
| Restaurant (commercial premises) | €600,000 | St A | ± € 124.33 |
| Shop premises (retail) | €260,000 | St A | ± €21.03 |
*Voorbeeldpremies, Exclusive assurantiebelasting en afhankelijk van dekking, eigen risico, preventie en verzekeraar. Voor hotels is maatwerk noodzakelijk. Aan deze voorbeelden kunnen geen rechten worden ontleend.
Property and hotel characteristics
- number of rooms, floors and surface area;
- year of construction, type of construction and roofing;
- reconstruction value (appraisal/value meter);
- monumental building or special construction (depending on the policy).
Installations and prevention
- fire alarm system (BMI) and maintenance;
- sprinkler/smoke control (if equipped);
- water detection, maintenance of pipes and shafts;
- burglary protection and access control.
Policy choices and package discount
- amount of deductible and selected coverage;
- any clauses (e.g. renovation/vacancy);
- combination with inventory, goods and business interruption;
- see you 15% package discount when bundling.
Do you want a competitive premium and strong conditions for your hotel?
Question one no-obligation, customized quote On.
Combine hotel building insurance with other hotel insurance
Hotel inventory and property insurance
Consider:
- furniture, beds, TVs, reception facilities;
- linens, equipment and supplies;
- damage due to fire, water, burglary and vandalism.
Business interruption insurance (loss of turnover)
After major damage, the hotel may (partially) close. With business damage:
- reimburse you for missed gross profit/turnover (under conditions);
- do you cover ongoing fixed costs;
- you have the financial space to recover and continue.
Liability and additional coverage
- Corporate liability for damage to guests and third parties;
- Real estate liability (for owners/landlords);
- Legal aid in case of disputes (suppliers, contractors, personnel);
- possibly cyber coverage or events (depending on hotel concept).
Finass Verzekert can bundle this into one clear overview hotel insurance package .
Frequently asked questions about hotel building insurance
What exactly is hotel building insurance?
A hotel building insurance is een Building insurance voor het hotelgebouw. U verzekert de constructie, daken, gevels, ramen, vaste installaties en gemeenschappelijke delen tegen schade door onder andere brand, storm, waterschade, inbraak en vandalisme. Inventaris en goederen verzekert u aanvullend.
Is building insurance for a hotel mandatory?
By law, building insurance is usually not mandatory, but in practice it is a requirement banks, investors en soms franchiseformules vrijwel altijd dat het Hotelgebouw goed verzekerd is. Bovendien zijn de financiële gevolgen van een grote schade doorgaans te groot om zelf te dragen.
Is water damage in hotel rooms covered by home insurance?
Water damage to the building (bijvoorbeeld aan vloeren, plafonds of schachten) kan onder de Building insurance vallen, afhankelijk van de polisvoorwaarden. Verzekeraars stellen vaak eisen aan onderhoud en preventie. Schade aan inventaris in kamers (meubilair, tv’s) valt doorgaans onder de inventarisverzekering.
Are lifts, fire alarm systems and fixed technology included in the insurance?
Vaste installaties worden vaak als onderdeel van de opstal gezien. Of en hoe liften, BMI/sprinkler en technische installaties zijn meeverzekerd, hangt af van de polis en het onderscheid tussen opstal en inventaris/techniek. Wij beoordelen dit in de offertefase en nemen dit correct op in de Building insurance.
Is loss of turnover due to closure after fire also reimbursed?
Loss of turnover is not covered by building insurance. There is one for this business interruption insurance or (bij verhuur) loss of rent nodig. Finass Insures adviseert over de juiste combinatie, zodat u zowel gebouwschade als financiële doorlooprisico’s afdekt.
What determines the premium for hotel building insurance?
De premie hangt onder meer af van Reconstruction value, bouwaard, bouwjaar, locatie, aantal kamers en verdiepingen, aanwezige installaties (BMI/sprinkler/lift), nevenactiviteiten (restaurant/wellness), preventie en de gekozen dekkingen en eigen risico’s.
What information is required for a hotel building insurance quote?
For a quote we ask, among other things:
- address, type of hotel (boutique hotel, chain hotel, aparthotel, guest house);
- number of rooms, floors and total area;
- year of construction, type of construction and roofing;
- reconstruction value (appraisal/value meter if available);
- presence of technology (elevator, BMI, sprinkler, solar panels);
- available additional functions (restaurant, bar, wellness, events);
- desired coverage and deductible.
Based on this, Finass Verzekert compares several insurers and you will receive a clear proposal.
Insure a hotel building? Request a no-obligation quote
Do you want your Hotel – from boutique hotel to aparthotel or guest house – good and competitively priced insurance? Finass Verzekert helps you with one tailor-made hotel building insurance, afgestemd op uw gebouw, installaties, preventie en Hotelconcept.
Request a quote for hotel building insurance
Would you prefer direct personal contact? Call 072 – 509 24 56 or email to info@finass . nl. Wij The nken graag met u mee over The beste building insurance for your hotel and a complete hotel package.
