Many guest houses and B&Bs rely heavily on seasonal trade, holiday periods and peak tourist demand. During these times, occupancy levels increase, staff numbers rise and operational pressure intensifies.
Seasonal and peak-period trading can significantly increase exposure to guest injury claims, property damage, theft, fire, staffing risks and loss of income.
Seasonal / Peak Period Risk Insurance helps ensure your guest house insurance remains appropriate during high-risk periods, providing protection when your business is most exposed.
Seasonal staff are often less familiar with your premises and procedures, increasing the likelihood of accidents or errors that can lead to claims.
Peak periods often account for a disproportionate share of annual revenue. Any interruption during these times can have a severe financial impact.
Business interruption insurance should reflect peak-season turnover, not just average annual income.
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