Running a small guest house or bed and breakfast involves welcoming paying guests into your property, often while you live on-site. This creates a unique mix of personal, commercial and public risk.
Small guest house insurance is designed to protect owner-managed accommodation providers against claims from guests, damage to buildings and contents, loss of income and staff-related liabilities.
Insure24 arranges tailored insurance for small guest houses, B&Bs and short-stay accommodation across the UK, whether you operate seasonally or year-round.
If you own the property, buildings insurance protects against physical damage.
Public liability insurance protects against claims from guests or visitors who suffer injury or property damage.
Employers’ Liability insurance is usually required if you employ staff.
If your guest house is forced to close following insured damage, loss of income insurance can help protect cashflow.
Many small guest houses rely heavily on steady occupancy. Even short closures can significantly impact annual income.
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