Guesthouse insurance

Q: Can I protect my guests and employees’ personal possessions?

There are options available to provide cover for loss or damage to your guests and employees’ personal possessions. This can cover valuable items held on the premises such as computers, jewellery, money and sports equipment. Our team is happy to talk through the options with you.

Q: What level of buildings insurance do I need for my Bed & Breakfast?

Buildings insurance can provide protection for your bed and breakfast against unforeseen events like fires, floods and storms. Building insurance usually covers permanent fixtures such as the roof, walls, ceilings, door, windows, floors, kitchens and bathroom suites. The policy level should cover your bed & breakfast for the cost of rebuilding, rather than its market value.

Q: How does theft of takings cover work for a Bed & Breakfast?

Takings on the premises are covered by money insurance, which includes cash, cheques, postage stamps and other non-negotiable money. Personal assault cover can often be included. Personal assault cover can provide compensation to you or a member of your staff following injury from a theft or attempted theft of money. Any damage to the building during a theft might be covered by your contents insurance.

Q: Do I need public liability cover for my Bed & Breakfast?

If your business injures someone or causes damage or destruction to their property, public liability insurance can cover your costs if someone makes a claim against you. You could consider public liability insurance if this is a risk you'd like to protect your business against.

Q: Do I need buildings insurance for my Bed & Breakfast?

Buildings insurance covers the cost of repairing or rebuilding your premises if it’s damaged or destroyed by an unexpected event such as fire, flood or theft damage. If you’d like to ensure that you can get your business premises up and running after an unexpected insurable event, buildings insurance may be something to consider. If you rent your business premises, then buildings insurance might be your landlord’s responsibility. Contact your commercial landlord or check your lease to see who’s responsible. For more information about available additional policy covers, get in touch with us.

Protect your business and compare prices from £4.74 a month*

Compare quotes from leading insurers, all in one place
Buy online in minutes, with same day protection
In partnership with Simply Business

*10% of customers paid the equivalent of £4.74 a month or less between
1st Jan - 31st May 2024 for up to £2 million of public liability insurance.

Compare prices from leading business insurance providers:

What is guesthouse insurance?

Guesthouse insurance is designed to offer comprehensive coverage for businesses that host overnight guests, such as guesthouses, bed and breakfasts, and small boutique hotels. This specialised cover could offer a level of protection that suits the unique needs of guesthouse owners, from buildings and contents insurance to more specialised cover options like breakfast insurance or accidental damage cover.

Guesthouse insurance may include public liability insurance, buildings insurance, and contents insurance, as well as options for employers' liability insurance if you have staff on site. With business protection, you may focus on running your business with confidence, knowing you have support in place for a wide variety of situations that can arise in the hospitality industry.

bed and breakfast employee fluffing pillows on a bed

We’ve partnered with Simply Business, one of the UK’s biggest business insurance brokers. They can help protect your business with tailored online quotes from leading providers, including Axa, Churchill and Hiscox.

How it works?

3 simple steps to protect your business with the right hospitality insurance for you.

Choose your
cover options

Only pay for the
cover you need

Compare from
multiple insurers

Instantly compare prices
from a range of insurers

Buy online
in minutes

Get your documents
on the same day

What can business insurance for guesthouse owners include?

Your guesthouse is unique, and your insurance cover should reflect that. With Clear Business, you can select from a range of optional covers that align with your specific needs.

Public liability insurance

This protects you if your customers (or members of the public) suffer personal injury or property damage from your business.

Stock & contents insurance

Stock & Contents Insurance can be different for every business, but it helps protect your business equipment, stock, and other contents at your premises.

Employers' liability insurance

This is a legal requirement for many businesses. Policies are available at £10m and can cover claims for work-related injuries or illnesses.

Product liability insurance

Product liability insurance can cover the cost of compensation claims if someone is injured or their property is damaged by a product that you've sold.

Professional indemnity insurance

This can protect you for loss or damage to clients or third parties resulting from negligent services or poor advice.

Buildings insurance

This cover can protect your business against damage due to fire, flooding, storms or explosions, and can cover pipes, cables and drain replacements too.

Join nearly

1,000,000

Businesses

Simply Business have helped nearly 1 million businesses like yours get the right insurance cover.

Get protected today, start your quote, compare and buy online

bed and breakfast owner handing room keys to a happy guest

Compare guesthouse insurance
from £4.74 a month^*

As a hospitality business owner, you can understand the importance of having the right insurance package to mitigate risks. We can help you get the cover you want with less hassle.

Compare quotes from leading insurers, all in one place
Prices from £4.74 a month^*
In partnership with Simply Business

*The price is for up to £2 million of public liability insurance – 10% of customers paid £4.74 or less annually between 1st Jan - 31st May 2024. Equivalent to £56.82 a year (and excludes the extra costs for paying monthly). If you complete a quote, more types of cover will be available and these all have additional costs.

Guesthouse insurance FAQ's

If you have a question about your hospitality insurance, you might find the answer here in our FAQs.

Can I protect my guests and employees’ personal possessions?

What level of buildings insurance do I need for my Bed & Breakfast?

How does theft of takings cover work for a Bed & Breakfast?

Do I need public liability cover for my Bed & Breakfast?

Do I need buildings insurance for my Bed & Breakfast?

For more information on protecting your business, check out our FAQ's Hub

hotel front of house welcoming guests behind the check in desk with a smile on her face

Comprehensive guesthouse insurance to protect your business and your guests

Owning a guesthouse comes with its own set of unique risks and responsibilities, from ensuring guests enjoy a safe stay to protecting your property from unexpected events. Guesthouse insurance could provide a broad range of cover options to help secure your business from everyday risks and unforeseen incidents. Discover how insurance packages can help cover you, your guests, and your property.

Compare prices from leading providers

Safeguard your hospitality business from financial risks including property and stock damage, business interruptions, public liability and much more.

Select your cover options
Compare from leading insurers
Buy online in minutes

What is guesthouse insurance?

Guesthouse insurance may include public liability insurance, buildings insurance, and contents insurance, as well as options for employers' liability insurance if you have staff on site. With tailored protection, you may focus on running your business with confidence, knowing you have support in place for a wide variety of situations that can arise in the hospitality industry.