Running a guest house involves managing a wide range of risks - from guest injuries and property damage to employee claims, food safety incidents and cyber threats. Many guest house owners rely on a single “combined” policy without fully understanding what is included, what is excluded, or whether their cover still reflects how the business operates today.
This Guest House Insurance Checklist is designed to help UK guest house owners, B&B operators and accommodation providers review their insurance arrangements, identify gaps in cover and ensure they are adequately protected.
Use this checklist when buying insurance for the first time, renewing an existing policy, expanding your services, or purchasing a new guest house.
Buildings insurance should reflect the full cost of rebuilding your guest house from the ground up, including professional fees and compliance with current building regulations.
Public liability insurance protects against claims from guests and visitors who suffer injury or property damage while on your premises.
Serving food, even just breakfast, creates additional liability exposure.
If your guest house becomes unusable following insured damage, loss of income cover protects your revenue while repairs are completed.
How often should I review my guest house insurance?
At least annually, and whenever you change services, refurbish, employ staff
or increase turnover.
Do small guest houses need the same cover?
Smaller guest houses may need lower limits, but the same types of risks apply.
Is a combined policy always best?
Often yes, but it must be correctly structured to reflect your actual risks.
What happens if my insurance is inadequate?
Claims may be reduced, rejected, or leave you personally exposed to costs.
Can Insure24 review my existing policy?
Yes. We regularly review existing guest house policies to identify gaps
and improve protection.
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