Many guest houses, bed & breakfasts and small accommodation providers serve food as part of their offering - most commonly breakfast, but often also evening meals, packed lunches or refreshments. While food service enhances guest experience, it also introduces significant legal and financial risk.
Foodborne illness, contamination incidents or allergic reactions can result in serious injury to guests, regulatory investigations and costly compensation claims. Even a single allegation can lead to reputational damage, lost bookings and enforcement action by local authorities.
Insure24 arranges specialist Foodborne Illness & Contamination Liability Insurance for Guest Houses, ensuring your policy reflects food handling activities and provides protection if something goes wrong.
Foodborne illness and contamination liability is usually included within Public Liability or Product Liability sections of a guest house insurance policy, but it must be correctly declared and structured.
Food allergies and intolerances represent one of the highest-risk areas for guest houses. Guests increasingly expect accurate information and safe handling of allergenic ingredients.
Foodborne illness incidents can trigger investigations by Environmental Health Officers (EHOs) and local authorities. These investigations can lead to improvement notices, fines, temporary closure or prosecution.
While insurance provides financial protection, insurers expect guest houses to follow recognised food safety and hygiene standards.
Is food poisoning covered under guest house insurance?
Yes. Food poisoning claims are usually covered under Public or Product
Liability, provided food service activities are disclosed.
Does this cover allergic reactions?
Yes. Claims arising from allergen exposure can be covered, subject to
policy terms and risk management requirements.
Do I need cover if I only serve breakfast?
Yes. Even limited food service creates liability exposure and should
be declared to insurers.
Are regulatory investigations covered?
Legal defence costs relating to covered claims are typically included.
How much does Foodborne Illness Liability Insurance cost?
Costs depend on food service scope, hygiene practices and turnover.
Many guest houses can arrange cover at a modest premium.
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