Guest houses that operate a restaurant, café or regular food service face a significantly higher risk profile than accommodation-only properties. In addition to guest accommodation, these businesses introduce food hygiene risks, kitchen fire hazards, staff injury exposure and higher public liability risk.
Standard guest house insurance policies often exclude or restrict cover for food service, alcohol sales or commercial kitchens. Insure24 arranges specialist guest house insurance designed specifically for properties that combine accommodation with restaurant or café operations.
Whether you serve breakfast only, operate a full restaurant, run a café open to the public, or offer licensed dining, cover must be structured correctly to avoid gaps or declined claims.
Covers the guest house building against fire, flood, storm and other insured perils. This includes kitchens, dining areas, extraction systems and structural fixtures.
Protects furniture, furnishings, commercial kitchen equipment, refrigeration units, coffee machines, crockery and restaurant fittings.
Covers injury or property damage claims from guests, diners and visitors, including slips, trips, burns or accidents in dining and service areas.
A legal requirement if you employ staff, including chefs, kitchen assistants, waiting staff, cleaners or reception employees.
Covers claims arising from food poisoning, allergic reactions or contamination linked to food served on the premises.
Protects loss of income if the guest house or restaurant cannot operate following an insured event such as fire, flood or equipment failure.
Guest houses with food service sit between standard accommodation insurance and full restaurant insurance. Without specialist underwriting, policies may exclude kitchen risks, food poisoning or alcohol liability.
Insure24 ensures your guest house insurance policy accurately reflects your food and beverage activities, protecting both the accommodation and hospitality sides of the business.
Premiums depend on factors such as:
Insure24 compares specialist hospitality insurers to secure competitive premiums while ensuring full compliance and protection.
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