Running a guest house or bed & breakfast means welcoming paying guests into your property, often while you live on-site. This creates a unique mix of public liability, property, income and employment risks that are not covered by standard home insurance.
Many guest house owners ask: “What insurance do I actually need?” The answer depends on your premises, services, staffing arrangements and how your business operates.
This guide explains the core insurance covers guest houses typically require in the UK, which covers are legally required, and which are strongly recommended to protect your income and personal assets.
Employers’ Liability insurance is a legal requirement in the UK if you employ staff.
If you offer airport pickups or guest transport, vehicles must be insured for business use.
Public liability insurance protects against claims from guests or visitors who are injured or whose property is damaged.
Business interruption insurance protects your income if insured damage forces your guest house to close or restrict trading.
Many guest houses focus on buildings cover but underestimate the financial impact of even short-term closure during peak season.
Insurance should reflect how your guest house operates, not a generic checklist. Owner-managed, rural and seasonal properties often need bespoke arrangements.
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