Luxury guest houses and boutique B&Bs operate at a very different level to standard accommodation. Guests expect exceptional interiors, premium furnishings, personalised service and faultless safety.
Standard guest house or B&B insurance may not reflect the true value of your building, bespoke interiors, artwork, antiques, high-end fittings or elevated liability exposure. Luxury Guest House Insurance is designed to address these higher-value, higher-expectation risks.
Luxury Guest House Insurance is a specialist hospitality insurance solution designed for high-end accommodation providers offering premium rooms, bespoke interiors and elevated guest experiences.
Policies are structured to reflect higher rebuild costs, superior finishes, valuable contents, greater guest liability exposure and the reputational damage that can arise from even minor incidents.
Luxury guest houses often feature period buildings, architectural features, bespoke renovations and high-quality materials that significantly increase rebuild costs.
Contents may include designer furniture, antiques, artwork, premium linens, bespoke lighting, sound systems and high-end appliances.
Guests staying in luxury accommodation often have higher expectations and higher claim values if something goes wrong.
Public and Guest Liability Insurance protects against injury claims, property damage and legal costs arising from slips, trips, falls, food service or accommodation-related incidents.
Even short closures can have a significant financial and reputational impact on luxury accommodation providers.
Business Interruption Insurance can replace lost income and cover ongoing costs if your guest house is forced to close following insured damage.
Our insurer understood the true value of our interiors and the importance of guest experience.
Owner, Boutique Guest HouseIs luxury guest house insurance different from standard B&B cover?
Are antiques and artwork covered?
Do I need higher liability limits?
Can this cover boutique hotels?
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