Large guest houses and boutique guest accommodation present a higher and more complex risk profile than standard B&Bs. With more bedrooms, higher guest turnover, premium furnishings, staff, food service and often licensed bars, the potential exposure to claims, losses and regulatory issues increases significantly.
Standard guest house insurance policies are often inadequate for larger or higher-end properties. Insure24 arranges specialist large and boutique guest house insurance designed to protect the building, business, guests, staff and owners against a wide range of operational risks.
Whether you operate a luxury coastal guest house, a countryside boutique property or a large town-centre accommodation business, we structure cover around how your guest house actually runs.
Covers the guest house structure against fire, flood, storm, subsidence and other insured perils. This includes the main building, extensions, outbuildings and permanent fixtures.
Protects high-value furniture, décor, soft furnishings, artwork, appliances and guest amenities. Boutique guest houses often require higher contents limits than standard policies provide.
Covers injury or property damage claims made by guests, visitors or members of the public, such as slips, trips, falls or accidents in communal areas.
A legal requirement if you employ staff. Covers injury or illness suffered by employees while working at the guest house.
Protects loss of income if the guest house cannot operate following an insured event such as fire or flood.
Many large and boutique guest houses provide breakfast, dining, licensed alcohol or host private events. These activities introduce additional liability and regulatory risks that must be properly insured.
Cover can be extended to include:
Larger guest houses and boutique accommodation often fall between standard B&B insurance and full hotel insurance. Without specialist underwriting, policies may contain exclusions, inadequate limits or conditions that invalidate claims.
Insure24 works with insurers who understand hospitality risks, ensuring cover is structured correctly and responds when needed.
Premiums vary depending on factors such as:
Insure24 compares specialist insurers to secure competitive terms without compromising cover.
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