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Guesthouse Insurance

Get a personalised quote for guesthouse insurance and protect your business today

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Protect your property and business with guesthouse insurance

We understand that running a guesthouse comes with unique risks and challenges, which is why we offer tailored insurance solutions designed specifically for your industry.

Guesthouses can vary in size and style, ranging from small family-run establishments to larger properties with multiple rooms making guests feel like they are staying in a home away from home. You may also offer various amenities such as private or shared bedrooms, communal living spaces, dining areas, and gardens. Some guesthouses also provide additional services such as breakfast, evening meals, or guided tours of the local area.

We understand the unique risks and challenges you face in the hospitality industry. Our guesthouse insurance experts can take care of your insurance needs from providing cover advice to comparing guesthouse insurance quotes from many trusted insurers to recommend the best solution for your unique needs, allowing you to focus on managing your guesthouse and delivering exceptional guest experiences.

Contact Premierline today to schedule a free consultation with one of our experienced insurance specialists.

Start a quote 

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Get a quote

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Call:  0333 320 6009

Guesthouse insurance cover in detail

What is guesthouse insurance?

Guesthouse insurance is designed to provide comprehensive coverage for guesthouses and their owners. It usually includes protection for physical property, contents, liabilities, and business operations. This insurance can cover the buildings, property, and contents against risks such as fire, theft, and damage. It also includes public liability insurance to safeguard against injuries or property damage suffered by guests or visitors, as well as employers' liability insurance for employee-related claims. Guesthouse insurance offers peace of mind and financial protection, allowing owners to focus on delivering exceptional service while being prepared for unexpected events that could impact their business.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:
Guests at a hotel check in desk

Public liability insurance

Public liability insurance for guesthouses is essential coverage that protects guesthouse owners from legal and financial liabilities resulting from injuries or property damage to third parties on their premises. It covers the costs of injuries sustained by guests or visitors and damage to their property. This insurance also includes coverage for legal expenses incurred in defending against claims, as well as medical costs and reputation protection. Having public liability insurance can provide peace of mind, allowing guesthouse owners to focus on providing exceptional service to their guests.
Hotel guest at check out

Employers' liability insurance

If you employ staff at your guesthouse, in most cases employers' liability insurance is a mandatory cover that safeguards you from legal and financial liabilities related to employee injuries or illnesses. It provides coverage for medical expenses, lost wages, and rehabilitation costs if an employee gets injured while working at the guesthouse. This insurance also covers legal representation, court fees, and potential settlements or judgments in case an employee files a claim. By having employers' liability insurance, guesthouse owners comply with legal requirements, protect their financial stability, and ensure a safe working environment for their employees.
Chef with an injury at work

Personal accident cover

Guesthouse owners may consider obtaining personal accident insurance as an additional cover to protect themselves in case of accidents or injuries. While personal accident insurance is not a mandatory requirement, it can provide valuable benefits and financial support for guesthouse owners who are self-employed or actively involved in the day-to-day operations of their business.
Freshly made bed in a hotel room

Property covers

Property insurance provides essential cover for physical guesthouse assets such as buildings and contents.

Buildings insurance provides cover for the physical structure of the guesthouse, including the buildings, fixtures, and fittings. It protects against risks such as fire, theft, vandalism, natural disasters, or accidental damage. This coverage ensures that the property can be repaired, rebuilt, or replaced in the event of an insured loss.

Guesthouse owners invest in furniture, equipment, appliances, and other contents that are essential for their operations. Business contents insurance covers the contents of the guesthouse, including furnishings, bedding, kitchen equipment, electronics, and more. It provides financial compensation in case of damage or loss due to covered perils.

By obtaining property business insurance, guesthouse owners can protect their investments, assets, and livelihoods. It provides financial security, peace of mind, and a safety net in the face of unexpected events or accidents that could disrupt their operations.

Open for business sign in a cafe window

Business interruption

In the unfortunate event of a disaster or covered loss that forces the guesthouse to temporarily close, business interruption insurance can provide coverage for the resulting loss of income. Business interruption cover helps compensate for lost revenue and ongoing expenses during the closure period, ensuring the business can recover and resume operations smoothly.
Judges gavel in a courtroom

Commercial legal protection

Commercial legal protection insurance is an important cover for guesthouse owners as it provides financial support and assistance in the event of legal disputes or issues that arise in the course of their business operations. This type of insurance helps protect guesthouse owners from the potentially high costs associated with legal representation, court fees, and other legal expenses.

Commercial legal expenses can help to minimise the financial impact of such incidents and provide peace of mind knowing that your guesthouse has access to legal support when it is needed.

Bartender waiting at the bar

Loss of licence

Loss of Licence insurance can provide compensation if the guesthouse owner loses their licence to operate due to a covered event. This type of insurance coverage is designed to help protect guesthouse owners from the financial consequences of losing their licence to operate, allowing the guesthouse owner to continue to run their business and recover from a covered loss.
Guests arriving at a hotel with suitcases

Guest effects insurance

Designed specifically for the hospitality industry, this cover typically insures you against loss or damage to your guests' personal possessions if you're legally liable. The cover may also extend to include employees' possessions, as well as damage to guest rooms and their contents. The purpose of guest effects insurance is to provide peace of mind for guests and to protect the hotel from financial losses in the event of theft, loss, or damage to guests' personal property
Employee working at the bar on a laptop

Cyber & data insurance

If you have a website, hold personal data about your guests, suppliers or employees, or rely on computer systems as part of your day-to-day business, then you have a cyber and data exposure that you may wish to protect. Cyber insurance can’t stop a hacker from getting in, but it can provide crucial support if your data is compromised.

Guesthouse insurance FAQs

Having guesthouse insurance is highly recommended for guesthouse owners. While not always legally required, it provides essential protection for your property, liabilities, and business. Guesthouse insurance usually covers property damage, liability risks, business interruption, and contents/equipment coverage. It offers peace of mind, ensuring your investment is safeguarded and allowing you to focus on delivering exceptional service without worrying about potential liabilities or property-related issues. Speak to an insurance expert at Premierline who will help you assess your specific needs and find the right guesthouse insurance policy for your business.

At Premierline, we offer a range of guesthouse insurance policies that can be as simple or comprehensive as you need depending on your business needs. When deciding what insurance you need to protect your guesthouse, you should consider the following:

  • Public liability - for injured guests or damage to their property.
  • Employers' liability - to protect your employees.
  • Personal accident - provide valuable benefits and financial support for business owners.
  • Buildings cover - to cover for loss or damage to your guesthouse.
  • Equipment, contents and stock - to reinstate your items and belongings.
  • Business interruption - to keep finances running when disaster strikes.
  • Money cover - for theft or attempted theft.
  • Loss of licence - in the event of a licence being revoked, suspended, or not renewed by the licensing authority.
  • Business legal expenses - to cover the cost of legal expenses or defend your business against legal action.
  • Guest effects insurance - typically insures you against loss or damage to your guests' personal possessions.
  • Cyber and data cover - protection in the event of a cyber-attack or data breach.
More information

The cost of guesthouse insurance can vary depending on several factors, including the size of the property, location, coverage limits and the specific risks associated with your guesthouse. Insurance providers will assess these factors to determine the premium for your policy.

Factors that can influence the cost of guesthouse insurance include the replacement value of the property, the security measures in place, previous insurance claims history, proximity to natural disaster-prone areas, and any additional coverages or endorsements you choose to add to the policy.

To obtain a guesthouse insurance quote specific to your business speak to one of our insurance advisors today.

At Premierline, we understand the challenges that come alongside running your own guesthouse and finding time to source the correct insurance cover can take up precious time. That’s why our team of qualified advisors can help make arranging your hotel insurance quick and simple. Our experts can provide an advised service over the phone and can help find the best insurance for you.

With access to A-rated insurers with competitive rates, we could even save you money while providing dedicated assistance and peace of mind. Let us handle your guesthouse insurance needs, so you can focus on running your business with confidence.

At Premierline, we understand that many guesthouses have their own unique, style and offering to cater to the different preferences and needs of their guests. We have many years of experience sourcing insurance for the hospitality industry, here are just some of the common types of guesthouses we work with:

Bed & breakfasts, large hotels, boutique guesthouses, country inns, farm stay guesthouses and self-catering guesthouses.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 

Why choose Premierline?

useful description of image if informative and not decoration only.

We're Business Insurance Experts

We understand the nature of running your own business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

  • Award winning service - We're trusted by thousands of SMEs across the UK
  • Comprehensive protection - We can help with all your commercial insurance needs
  • UK based experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“Friendly, professional, confident and helpful service. I would have no hesitation in recommending Premierline.”
Business Owner
Customer since July 2017
4.7/5 stars

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.

Speak to a guesthouse insurance expert

Take the first step towards safeguarding your guesthouse by calling our experts or by requesting a call back at a time that suits you. Let Premierline be your trusted partner in protecting your business, so you can focus on what you do best - providing an exceptional experience for your guests.

Start a quote 

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Get a quote

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Call:  0333 320 6009

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