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.