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The premium varies from €500 to €15,000+ per year, depending on reconstruction value, number of rooms, location and fire safety. An average hotel with 30 rooms pays approximately €1,500-€4,000 per year.

Hotels must comply with the Building Decree: fire alarm system with relay, smoke detectors in all rooms, emergency lighting, protected escape routes (max 30m), fire hose reels and annual evacuation drill. Insurers often impose additional requirements.

Damage to the property by guests (e.g. fire due to smoking) is usually covered by building insurance. Damage to inventory by guests under the inventory insurance. Liability for injuries to guests through business liability insurance.

Yes, but private building insurance does not cover B&B activities. You need business hotel insurance. Special B&B insurance is available that combines building, contents and liability.

Yes, an annual evacuation drill is legally required for hotels. This is laid down in the Building Decree. Insurers can make this a condition. Tip: plan the exercise in such a way that guests experience minimal inconvenience.

Yes, fixed kitchen installations are covered by buildings insurance. Loose equipment covered by inventory insurance. Please note: kitchen risks (grease, fire) may lead to additional requirements, such as maintenance of the extraction system.

Highly recommended! In the event of fire or major water damage, your hotel may have to close for weeks while fixed costs continue. Business interruption insurance compensates for lost turnover and gross profit during recovery.

This is a known problem. Use smoke detectors that cannot be turned off by guests. Modern systems report sabotage directly to the reception. Insurers may impose additional requirements on smoke detection.