Many UK guest houses now offer a mix of traditional bed & breakfast rooms alongside self-catering accommodation such as holiday apartments, annexes, cottages or studios. While this hybrid model is commercially attractive, it introduces additional insurance considerations that standard guest house policies may not fully address.
Self-catering guests typically have greater independence, access to cooking facilities, longer stays and less day-to-day supervision. As a result, risks relating to fire, accidental damage, public liability and loss of income can differ significantly from those associated with serviced guest accommodation.
Insure24 arranges specialist Guest House with Self-Catering Accommodation Insurance, ensuring your policy accurately reflects how your business operates and provides comprehensive protection across both serviced and self-contained units.
Insurance for guest houses offering self-catering accommodation is usually arranged as a tailored combined policy, bringing together property, liability and income protection. Cover can be adapted to reflect the number of units, layout of the premises and services provided.
Guest houses with self-catering accommodation may include the main house, converted outbuildings, detached annexes or purpose-built holiday units. Buildings insurance must reflect the full rebuild cost of all insured structures.
Self-catering units are typically furnished to a high standard and include kitchens, appliances, furniture, electronics and soft furnishings. These items are vulnerable to accidental damage, theft and misuse.
Guest houses owe a duty of care to guests and visitors across both serviced and self-catering accommodation. Claims can arise from accidents within units, communal areas or external grounds.
If you employ staff – including cleaners, housekeepers, maintenance workers or reception staff – Employers’ Liability Insurance is a legal requirement in the UK. This applies even where staff work part-time or on a casual basis.
If part or all of your guest house becomes unusable due to an insured event, loss of income cover helps protect your revenue while repairs are carried out. This is particularly important where self-catering units generate a significant proportion of turnover.
Is self-catering accommodation riskier to insure?
It can present additional risks due to guest use of kitchens and reduced supervision,
which is why specialist cover is recommended.
Can I insure serviced rooms and self-catering units together?
Yes. Insurers can provide combined policies covering both accommodation types
under one tailored policy.
Does the policy cover accidental damage by guests?
Accidental damage cover can usually be added, subject to policy terms.
Is loss of income cover important?
Yes. Loss of income insurance is vital if bookings are cancelled following damage
to self-catering units.
How much does Guest House with Self-Catering Insurance cost?
Premiums depend on property size, number of units, income and claims history.
Many guest houses can obtain cover at a competitive annual premium.
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