Employers’ Liability Insurance is a legal requirement in the UK for most businesses that employ staff - including guest houses, B&Bs and accommodation providers. It protects business owners if an employee or worker suffers injury, illness or disease as a result of their work and makes a compensation claim.
Guest houses often rely on a mix of full-time staff, part-time workers, seasonal employees, cleaners, maintenance workers and casual or agency staff. Even a single employee usually triggers the legal requirement for Employers’ Liability cover.
Insure24 arranges specialist Employers’ Liability Insurance for Guest Houses, ensuring your policy meets legal requirements and reflects the realities of hospitality and accommodation operations.
Yes. Under the Employers’ Liability (Compulsory Insurance) Act 1969, most UK employers must hold Employers’ Liability Insurance with a minimum limit of £5 million.
Employers’ Liability Insurance covers claims made by employees and workers who suffer injury or illness arising out of their employment. The definition of “employee” is broad and can include individuals you may not consider formal staff.
Hospitality and accommodation work involves a range of manual and repetitive tasks, increasing the risk of workplace injuries and illness.
Employers’ Liability Insurance covers the legal and financial consequences of claims brought by employees alleging injury or illness caused by their work.
The legal minimum limit is £5 million, but most hospitality insurers provide £10 million as standard due to the potential cost of serious injury claims.
Very limited exemptions apply. You may not need Employers’ Liability Insurance if you only employ close family members who are not incorporated, but this is often misunderstood and risky.
Many insurers and regulators still strongly recommend cover even where an exemption might technically apply.
Is Employers’ Liability Insurance legally required?
Yes. Most guest houses with employees are legally required to hold Employers’
Liability Insurance under UK law.
Do I need cover for part-time or seasonal staff?
Yes. The requirement applies regardless of hours worked or contract type.
Are cleaners and maintenance workers covered?
Yes. Anyone working under your direction can potentially be classed as an employee
for Employers’ Liability purposes.
What happens if I don’t have Employers’ Liability Insurance?
You could face fines of up to £2,500 per day and be personally liable for
compensation claims.
How much does Employers’ Liability Insurance cost?
Costs depend on staff numbers, roles and risk profile. Many guest houses
obtain cover at a relatively modest annual premium.
Guest houses represent a vital part of the UK's hospitality sector, offering travelers a more personal and intimate accommodation experienc…
Running a seaside guest house combines the charm of coastal living with the complexities of hospitality business management. While …
Family-run guest houses represent the heart of British hospitality, offering personalized service and authentic local experienc…
Running a guest house is a rewarding but complex business venture that comes with unique risks and challenges. From property da…
Operating a guest house in a historic building presents unique opportunities and challenges. These properties, often centuries o…
Running a luxury guest house is a rewarding but complex business venture that requires careful attention to risk manageme…
Guest houses that provide food services face unique insurance challenges that combine accommodation risks with food service …
Running a guest house involves significant investment in furniture, equipment, and amenities that create a comfortable experience…
Running a guest house involves providing hospitality services that go beyond simply offering accommodation. From personalized …
Running a guest house involves numerous responsibilities, from ensuring guest comfort to maintaining property standards. However, …
Running a guest house in partnership brings unique rewards and challenges. Whether you're business partners sharing ownership, family memb…
Walking holidays have become increasingly popular across the UK, with guests seeking authentic experiences in scenic loc…
Running a guest house involves more than just providing comfortable accommodation – many establishments offer transport services t…
Running a guest house involves numerous health and safety responsibilities that can expose your business to significant fina…
Guest houses that host events face unique insurance challenges that standard accommodation policies may not adequately address. From wedding…
Running a guest house involves numerous legal risks that can arise from daily operations, guest interactions, and regulatory …
In today's digital age, guest houses face an unprecedented level of cyber risk. From online booking systems to payment processing …
Running a guest house in a bustling city environment presents unique challenges and opportunities. From managing diverse clientele to nav…
Running a guest house comes with unique risks that traditional business insurance may not fully cover. Guest liability …
Running a seasonal guest house presents unique challenges and opportunities that require specialized insurance coverage. Wheth…
The hospitality landscape has transformed dramatically with the rise of online booking platforms. Guest houses, bed and break…
Running a guest house involves navigating complex licensing requirements that can make or break your business. From planning permissi…
Running a guest house is a rewarding but challenging business venture that requires significant investment in pro…
Guest house buildings insurance is a specialized form of commercial property insurance designed specificall…
Running a guest house is a rewarding business that brings together hospitality, property management, and customer service. However, with gues…
My Account
