Hotel Insurance Spain

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Specialist insurance for hotels, hostals, casas rurales and tourist accommodation in Spain — Generali ON Empresas Hoteleras. Buildings, contents, guests' property, civil liability.

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By Andrew Turner · In insurance since 2001, exclusive Generali agent since 2007 · DGS Registry C0467B54657010 · Last reviewed May 2026

Quick Answer — Hotel & Tourist Accommodation Insurance in Spain

ForHotels, hostals, casas rurales

Buildings + contentsYes — full multi-risk

Loss-of-income coverYes — business interruption

Guest propertyProtected — bailee liability

Civil liabilityUp to €3,000,000

Spanish Insurance Law: Hotel & Tourist Accommodation — Key Facts, Limits & Exclusions

The legal framework, specific waiting periods, exclusions and citations every prospective policyholder should know. Sources are linked inline to the BOE (Boletín Oficial del Estado) and Spanish regulators.

Legal framework

Hotel and tourist accommodation insurance in Spain combines several statutory requirements. Decreto 75/2015 (Valencian Community) and equivalent regional rules require civil liability cover as a condition of tourist licensing. The amount varies by establishment size and category — typically €300,000–€1,500,000 minimum. Hotels are also subject to the Ley General para la Defensa de los Consumidores (RDL 1/2007) which establishes consumer rights to compensation for lost reservations, food poisoning and accidents on premises.

What's covered

A specialist hotel policy bundles: buildings + contents with seasonal stock variation (typical 25–30% summer uplift); civil liability for guests, third parties and food poisoning (the most common hotel claim — typically €3,000,000 recommended limit); guest property (bailee liability) — typically €600 per guest for valuables in the room and higher in the safe; loss of income / business interruption from insurable damage (typically up to 12 months); employer liability; and cyber bolt-on for booking-system breaches.

Pool, spa and event-related cover

Hotel pools require specific liability cover under regional regulations (in Valencia, Decreto 84/2018): qualified lifeguard during opening hours, water-quality testing, depth markings, equipment. A hotel in violation cannot recover liability claims if it failed to maintain compliance. Spas, gyms and event spaces (weddings, conferences) need declared cover — undeclared event hosting voids liability for the event.

Loss of income — the COVID lesson

COVID-19 highlighted the importance of clear pandemic and infectious-disease wording in business interruption policies. Most Spanish hotel policies post-2020 expressly exclude losses from infectious-disease pandemics regardless of how a pandemic affects business. Verify your policy wording — interruption from insurable damage events (fire, flood, storm) remains covered, with typical 12-month indemnity periods. Add denial-of-access cover for losses from prevented access (road closures, terrorism in vicinity).

Hotel Insurance Spain — Generali ON Empresas Hoteleras

Hotel insurance Spain (Seguro para Establecimientos Hoteleros) is a specialist multi-risk policy designed for the unique risks faced by hotels, hostals, pensiones, rural houses (casas rurales), apartment complexes and tourist accommodation businesses in Spain. Generali's dedicated hospitality insurance product provides comprehensive protection for the building, all furnishings and equipment, your guests' property, your staff, and the civil liability of your establishment.

Who needs hotel insurance in Spain? Any accommodation business operating in Spain — hotels, hostals, pensiones, apartamentos turísticos, casas rurales, camping sites and rural complexes. Both owned and leased premises are insurable. Generali ON Empresas Hoteleras is fully adaptable to your property type, size and star rating — contact us for a personalised quote. Get a hotel insurance quote →

What Generali Hotel Insurance Covers — Standard

Buildings — at new replacement value: Full rebuilding cost of the entire hotel structure following damage — walls, roof, floors, carpentry, plumbing, heating, air conditioning systems. Insured at new construction value, not depreciated actual value
Contents and furnishings: All hotel furniture, fixtures, fittings, kitchen equipment, laundry equipment and mechanical installations — insurable at either new replacement value or actual depreciated value depending on your preference
Electronic and computing equipment: Reservation systems, point-of-sale hardware, CCTV and security systems, televisions in rooms, automated door and lock systems
Fire, explosion and lightning: Complete structural fire cover including demolition, debris removal, professional fees, and alternative accommodation costs for displaced guests during reinstatement
Water damage — communal and private: Leaks and burst pipes throughout the building including all bedroom en-suites and communal bathroom facilities. Emergency plumbing assistance included
Guests' property (bienes en depósito): Cover for guests' valuables including cash in room safes, jewellery, luggage and personal property — whether in bedrooms, reception, concierge storage or the hotel safe deposit facility
Civil liability — guest and public: Compensation to guests and third parties for bodily injury or property damage caused by hotel operations, premises condition or staff actions — up to €1,000,000 standard
Employer's liability — all staff: Cover for personal injury claims by hotel employees, including seasonal staff, cleaning personnel, kitchen staff and management
24-hour emergency assistance: Emergency plumbers, electricians, glaziers and locksmiths on call around the clock — critical for a business that never closes

Optional Extras — Hotel Insurance Spain

Loss of hotel income: Daily compensation for lost room revenue when the hotel is forced to close following an insured event — fire, flood or significant structural damage. Can cover fixed costs (staff wages, rent, utilities) or gross revenue
Alternative accommodation for guests: Costs of placing guests in comparable alternative accommodation if the hotel is uninhabitable following damage — protects your reputation as well as your guests
Swimming pool and outdoor facilities: Accidental damage to pool structure, heating and filtration systems, outdoor furniture, terraces, barbecue areas and garden equipment
Machinery breakdown: Boiler failure, industrial kitchen equipment breakdown, laundry equipment, lifts and service elevators, air conditioning plant
Theft and robbery: Theft of hotel property by third parties including forced entry to storerooms, management offices and cash handling areas. Robbery during cash collection or transfer
Cash in premises: Coverage for cash on the premises — at reception, in the safe and during banking runs — up to an agreed daily limit
Legal protection and debt recovery: Disputes with suppliers, staff disputes, landlord or tenant disagreements, tax inspection defence and recovery of unpaid accommodation invoices
Cyber risk and data protection: Data breach liability, ransomware, reservation system outages, customer data loss — particularly important given hotels' GDPR obligations for guest data
Restaurant and bar extension: If your hotel operates an in-house restaurant or bar, this can be included under the same policy — covering food product liability, cold storage, and bar equipment
Professional liability — management: Liability cover for the hotel management company or individual manager for professional errors, negligent advice or management decisions that result in guest claims

How to Get a Quote

Call or email us — ring 966 461 625 or email info@turnerinsurance.es. Our English-speaking team is available Monday to Friday, 09:30–15:00.
Tell us your situation — we will ask a few quick questions about what you need to cover, your age, location, and any existing policies you hold.
We compare options — as authorised Generali agents, we present the plans that match your needs and budget. No pressure, no obligation.
Your policy is set up — once you are happy, we arrange everything and send your certificate and English-language policy documents promptly.

Hotel & Accommodation Insurance Options

Cover level	What is included	Best for
Hostal / Casa de Huéspedes	Buildings, basic contents, civil liability to guests €300,000, fire, theft	Small guesthouses and B&Bs
Hotel 1–3 Stars	Full buildings and contents, guest property, liability €1,000,000, business interruption	Mid-size hotels
Hotel 4–5 Stars	All-risks cover, guest liability up to €3,000,000, equipment breakdown, loss of revenue	Upscale hotels and boutique properties
Apartamentos / Casa Rural	Holiday let cover, seasonal occupancy, civil liability, tourist tax compliance	Rural tourism and short-term rentals

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Hotel Insurance Spain — Essential Cover for Hoteliers and Accommodation Businesses on the Costa Blanca

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Approximate Hotel & Tourist Accommodation Insurance Pricing

Annual premiums for hotels, hostals, casas rurales and tourist apartments:

Small hostal / B&B (5-15 rooms)

from €1,200/yr

Buildings & contents
Public liability €1m
Loss of revenue
Guest property limited cover
Defensa jurídica

Frequently Asked Questions — Hotel & Tourist Accommodation Insurance

Hotels, hostals, casas rurales, tourist apartments and Bed & Breakfasts have specific insurance requirements that go well beyond standard commercial property cover. Here are the common questions we receive from Costa Blanca hospitality operators.

Hotel insurance is built around hospitality-specific exposures: large numbers of guests on premises 24/7, food service liability, pool/spa risks, theft from rooms, kitchen fires, alcohol service liability, child guest liability, loss of revenue when rooms are unusable, and employee accident in physical service work. Standard commercial cover doesn't address these specifics adequately.

Public liability insurance is legally required for all establishments serving the public (hotels, restaurants, bars) under regional tourism regulations. Buildings cover is required by mortgage lenders. Employee accident cover (Convenio Colectivo) is required by labour law. Beyond these legal minimums, business interruption and contents are not legally required but are commercially essential.

For small hostals (under 20 rooms): €600,000-€1m. Mid-size hotels: €1m-€3m. Large hotels with pools, spas, restaurants and events: €3m-€10m. The right level depends on guest profile, premises features and worst-case scenarios. A serious pool incident or food poisoning event involving multiple guests can easily generate €1m+ of liability — bake in headroom.

Limited cover under hotel liability for guest property — typically €500-€1,500 per guest, total annual aggregate €5,000-€20,000. Spanish law (Civil Code Article 1783) holds hoteliers liable for guests' valuables in rooms unless specifically deposited in the hotel safe. Encourage guests to use room safes for valuables, and have written terms about deposit requirements for high-value items.

Kitchen-specific cover includes kitchen fire (high frequency in hospitality), equipment breakdown, contents damage from extinguisher discharge, and cooking oil escape. Food poisoning cover within public liability addresses claims from guests becoming ill — typically up to €1m per incident. Keep food safety logs (HACCP) which become evidence at claim time. Salmonella outbreaks at Spanish hotels have triggered seven-figure claims.

Yes within public liability, but with strict conditions: lifeguard required where mandatory under regional rules, signage in multiple languages including English, depth markings, water quality logs, regular pool plant maintenance. Non-compliance with pool regulations may void liability cover at claim time. Spa hot tub incidents (legionella, scalding) are increasing; specific pool/spa cover is recommended.

After an insured event (fire, flood, storm) makes rooms unusable, BI pays the lost revenue while you rebuild — typically up to 12-24 months. Critical for hotels because rebuilding can take a year. The indemnity period needs to match the realistic recovery time. Indicative cost is about 5-10% of total cover. Without BI, you have repair costs PLUS zero revenue, which can sink a profitable business.

Yes — Spain's Convenio Colectivo for hospitality (and similar for catering) requires every employee accident cover policy. Cover sums are set by the Convenio: typically €40,000-€60,000 for death, plus permanent disability sums and daily benefit. Premium is typically €30-€80 per employee per year. This is in addition to the standard Spanish social security accident-at-work scheme.

Spanish law allows alcohol service liability claims if your staff serve alcohol to visibly intoxicated guests who then cause damage or injury. Public liability typically covers these events with normal limits. Some policies exclude or sub-limit alcohol-related incidents — read terms carefully. Door staff training on responsible service helps mitigate.

Standard hotel public liability covers events for hotel guests using normal facilities (small group dinners, wakes, small celebrations). Major events (weddings 100+ guests, corporate conferences with external attendees, music festivals) need event-specific extension or separate event insurance. Outdoor events on hotel grounds need weather contingency cover.

Yes increasingly — hotel booking systems hold large amounts of guest personal/payment data and are GDPR-regulated. A breach can trigger AEPD fines, contractual penalties from booking platforms, and remediation costs. Cyber cover for hotels typically €1,500-€5,000/year provides incident response, regulatory defence, customer notification costs and limited cyber-extortion cover.

Many Costa Blanca hotels close November-March. During closed seasons cover continues (theft, fire, storm cover stays in force) but at reduced cost — some policies offer 'wintering' rates with lower premium during the closed period. The buildings need to be properly secured, water systems may need draining/anti-freeze measures, and the property visited monthly. Failing these conditions can void cover during closure.

Incident report at the time (date, time, location, witnesses, hotel employee names); photographs of the location and any contributing factors; medical reports if guest sought treatment; copies of any guest correspondence about the incident. Accident books should be maintained for 7-10 years. Guest injury claims sometimes emerge months or years after the visit when injury complications develop.

Property damage claims (fire, water): perito visits within 5-10 working days, repair authorisation within 2-3 weeks. Liability claims: investigation can take months. Loss of revenue: paid weekly/monthly during the BI period after initial assessment. We support administrators through the process and chase insurers when necessary.

More questions? Visit our complete FAQ centre with 90+ detailed guides, or contact us for free English-speaking advice.

How This Compares to the Competition

Honest comparisons help you make an informed choice. These figures are typical Spanish-market starting points and depend on age, area, cover level and individual circumstances.

Generali Hostelería vs Mapfre Empresas and Catalana Occidente Hostelería

How Generali's specialist tourist accommodation cover compares to Mapfre and Catalana Occidente.

Feature	Generali Hostelería	Mapfre Empresas Hostelería	Catalana Occidente Hostelería
Buildings + contents combined	Yes	Yes	Yes
Loss of income / business interruption	Up to 12 months	Up to 12 months	Up to 18 months
Guest property (bailee liability)	Up to €600/guest	Up to €500/guest	Up to €600/guest
Liability cover	Up to €3,000,000	Up to €1,500,000	Up to €3,000,000
Food poisoning liability	Yes	Yes	Yes
Pool / liability cover	Included	Included	Included
Premium 30-room rural hotel	~€2,800/year	~€3,400/year	~€3,100/year

Comparisons are based on publicly available product literature and our experience placing policies across the Spanish market. Premium estimates assume a healthy applicant on the Costa Blanca with no significant claims history. Contact us for a personalised, like-for-like quote.

Sources & References

This page references the following official Spanish regulatory and legal sources. These are the authoritative bodies and laws governing insurance products in Spain:

Dirección General de Seguros y Fondos de Pensiones (DGS) — Spanish insurance regulator. Confirms registration of insurance brokers (Andrew Turner: Registry C0467B54657010) and authorises all insurance products distributed in Spain.
Ley 50/1980 — Ley de Contrato de Seguro (BOE) — Spanish Insurance Contract Law. The primary legal framework governing all insurance contracts in Spain — defines duties, claims, cancellation rights and disclosure obligations.

Hotel Insurance Spain — Tailored to Your Establishment

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