Many guest house and B&B owners start by purchasing Public Liability Insurance, assuming it provides sufficient protection. While public liability is essential, it only covers a narrow set of risks.
Combined Guest House Insurance brings multiple covers together into one policy, protecting not just against guest injury claims, but also property damage, staff risks, guest belongings and loss of income.
Public Liability Insurance protects your guest house if a third party - typically a guest, visitor or contractor - suffers injury or property damage and alleges negligence by your business.
This cover focuses solely on liability claims and does not protect your buildings, contents, staff or income.
Public Liability Insurance is essential - but on its own, it leaves significant gaps for most accommodation businesses.
Combined Guest House Insurance packages multiple covers into one coordinated policy, designed specifically for hospitality businesses offering overnight accommodation.
This approach reduces coverage gaps, simplifies administration and often provides better value than arranging separate standalone policies.
Combined insurance is usually the recommended option for operating guest houses, B&Bs, boutique accommodation and luxury properties.
The table below summarises the practical differences between these two approaches:
The right choice depends on how your guest house operates, but in most cases, combined insurance is the safer and more appropriate solution.
Public liability only may be suitable for very limited operations, such as renting a single room occasionally - but most full-time guest houses face risks far beyond third-party injury claims.
We thought public liability was enough - until a flood shut us down. Combined insurance saved our business.
Guest House Owner, South CoastIs public liability insurance legally required?
Does combined insurance include public liability?
Is combined insurance more expensive?
Can Insure24 review our existing cover?
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