Guest House Insurance

Insurance for guest houses needs to account for you, your property and your guests, and it should be comprehensive enough to cover all kinds of potential incidents - we can help.

Insurance for guest houses to keep your business protected

Running a guest house often means keeping many plates spinning at once — though for many business owners, this is all part and parcel of creating a place that visitors will return to time and time again. There’s a lot to consider between looking out for your employees and welcoming your guests into what may be your own home — and your sole source of income.

A busy guest house means managing potential risks though, from a visitor taking a nasty fall or experiencing food poisoning, to extremities such as fire or flooding. Being covered against even the worst case scenarios could save you from some serious financial strain, and this is exactly what we provide with our guest house insurance policies.

Insurance for guest houses needs to account for you, your property and your guests, and it should be comprehensive enough to cover all kinds of potential incidents.

We assess each guest house insurance quote based on individual circumstances, and your expert tourism & hospitality account handler will take you through the process.

Get in touch with our guest house insurance experts

For a guest house insurance quote that is tailored to meet your exact needs, simply contact us and one of our friendly advisors will provide more information.

Get a Quote

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Kally Shane in the H&H Insurance office in Carlisle

Kally Shane, Operations Director

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Bespoke guest house insurance, what does it mean to me?

Insurance for guest houses needs to account for you, your property and your guests, and it should be comprehensive enough to cover all kinds of potential incidents. We assess each guest house insurance quote based on individual circumstances, and your expert tourism & hospitality account handler will take you through the process.

Difference between a guest house and a B&B

Guesthouses are made specially to cater to lodging requirements of travellers, whereas B&B are private homes where rooms are converted to provide accommodation to guests. Guesthouses have staff and sometimes a licence to serve alcohol.

A number of guest house licences are required

You'll need to invest in two different licences – a PRS (Performing Right Society) licence and a PPL (Phonographic Performance Ltd) licence. These can be bought online and are also needed to cover any music which is played via a television or radio in individual guest bedrooms.

Accidental damage insurance

With accidental damage cover, you can meet and greet your guests and make their stay as comfortable as possible without worrying about anything being ruined during their stay with you.

Loss of booking income

This policy insures you for a amount for up to eight weeks to help your business tick along while repairs are made for escape of water and fire insured events.

Kara Jenkinson, Head of Commercial

FAQ's

1. Does my home insurance cover my guest house?

Some household policies can cover you for paying guests, but we would recommend checking with your current insurer to make sure.

2. Do I need business insurance for my guest house?

A guest house policy will offer a range of cover types, geared to meet your exact needs. For example, having public liability cover is important for guest house owners, as it protects against injury or damage to the property from your guests or members of the public.

3. What does my guest house insurance policy need to cover?

A guest house policy can provide different covers depending on your needs ie buildings, contents, stock, business interruption, public & employees liability etc we will create a policy for your needs.

4. How much does guest house insurance cost?

The cost of your guest house insurance policy is dependent on a variety of factors specific to your business — this may include things like the rebuild sum insured, to where the property is located.