Guests often bring high-value personal belongings with them - including laptops, phones, jewellery, clothing and luggage. If these items are lost, damaged or stolen while under your care, your guest house could face a compensation claim.
Damage to Guest Belongings Insurance helps protect guest house owners against legal liability and compensation costs arising from damage to or loss of guest property during a stay.
Damage to Guest Belongings Insurance covers your legal responsibility for guests’ personal property while it is on your premises. This may arise where the guest alleges negligence by the guest house, staff or management.
The cover is commonly included within public liability or innkeepers’ liability sections of a guest house insurance policy.
Claims for guest belongings can arise in many everyday situations, even where staff believe reasonable care was taken.
Guest property damage cover usually includes specific limits per item, per guest and per claim. High-value items may require additional controls such as safes or formal storage procedures.
Clear signage, terms & conditions and secure storage arrangements can help manage exposure and reduce disputes.
When a guest’s laptop was damaged by a water leak, the policy handled the claim quickly and professionally.
Guest House Owner, North West EnglandAre guest belongings automatically covered?
Does this cover theft by third parties?
Are high-value items fully covered?
Can Insure24 review our current limits?
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