When you operate a guest house or B&B, members of the public are constantly on your premises. Guests, visitors, delivery drivers and contractors may all access your property, creating potential liability exposures.
Public & Customer Liability Insurance helps protect guest house owners against claims for injury or property damage suffered by third parties in connection with the business.
Insure24 arranges specialist liability insurance for guest houses across the UK, tailored to the risks faced by small, owner-managed and family-run accommodation providers.
Public liability insurance protects against claims from guests who allege injury while on your premises.
Cover can apply where your business is alleged to have caused damage to a guest’s personal property.
Public liability does not usually cover injuries to employees (which require Employers’ Liability), or intentional acts. Policy exclusions and conditions apply.
Liability limits should reflect the size of your guest house, number of guests and risk exposure.
Serious injury claims can result in significant compensation awards and legal costs. Choosing adequate limits helps protect your business and personal assets.
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