If you run a hotel, you are in charge of a busy place, with staff and guests coming and going all day.
You have enough to think about without getting bogged down in paperwork, yet you know that risk management is essential for all businesses.
So what kind of hotel insurance may be most suitable for your business? Possibly one of the easiest ways to choose an insurance policy is to look online at a specialist business insurance website, so that you can find the policy or policies that suit your needs.
Here are some of the types of cover you might like to consider.

• Public liability insurance - this covers the kinds of claims made by third parties such as members of the public that you come into contact with during the course of your business.
  So this category extends to anyone who comes through your front door (on even on to parts of your land), from hotel inspectors to guests, to suppliers delivering laundry.
  
• Employers' cover - if you employ people, it may be necessary to obtain employers' liability insurance.
  Ask your current provider if this requirement applies to you.
  Employers' liability insurance covers claims made by your employees for accidents or injuries sustained by them in the workplace for which you are liable.
  The value of such claims can be considerable, and without cover you might be exposed to the risk of a large claim.
  
• Contents cover - Until you make a schedule of things you want to insure, most business owners are surprised how much the items that they use in their day to day business are worth.
  In a hotel, your beds, linen, food and housekeeping supplies, to name but a few, are key items that are essential to run your business effectively.
  If they were damaged in a flood or other natural disaster, for example, it is likely that you will incur significant costs to replace them out of your own pocket.
  That's why it's worth asking your hotel insurance provider whether contents cover is available.
  

Of course, you will not just take price into account when choosing cover.
Claiming on any policy is stressful at the best of times, but the process runs much more smoothly if you have a team of professional staff to assist you.
Likewise it is worth considering what kind of businesses your provider insures.
For example, an intermediary that specialises in finding cover, including hotel insurance for Small to Medium sized Enterprises rather than faceless global multinationals might better understand the day to day needs of your business.