Why does a hostel, bunkhouse or bothy need insurance?
Owners must cover against liability incidents such as trips, slips and injuries to visitors and staff. They also need to cover against material losses and damage such as theft, flood, storm and fire.
However, it can sometimes be difficult to find insurance.
Some hostels offer luxury and service to a standard that puts hotels to shame, others are just four walls and a roof. Some offer secure private accommodation and restaurant facilities whilst others are unlocked and communal with cooking on the floor. Insurance companies like to insure standard and uniform things and tick all their boxes. Unfortunately, the word ‘hostel’ can mean a wide range of things, and underwriters often find it easier to decline something they cannot clearly understand.
Many of our staff are keen outdoor adventurers and have stayed in backpacker accommodation and campsites worldwide and close to home. Therefore, not only do we understand insurance, but we also understand hostels, bunkhouses & bothies and can assist you in securing the right cover at the right price, even if your accommodation is out of the ordinary.
Some of the unusual things we can assist you with include:
- Listed buildings
- Non-standard construction
- Adventure activities
- Events
- Campsites
- Animals
- Children’s play areas
- Charities
What insurance do I need to consider?
Every club, organisation, and race is unique, so no ‘one size fits all’ insurance plan or solution exists. Aside from backpackers’ hostels, bunkhouses & bothies insurance, there are some other recommended insurance options for your club, such as:
Public Liability
Personal Accident
Cyber Insurance
Legal Expenses
Kit & equipment
Employers Liability
Event Cancellation
Sports travel insurance
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