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Licensed Guest House Insurance
Licensed guest house insurance is designed for guest houses, B&Bs and small accommodation businesses that provide overnight stays and also serve alcohol to guests, diners or event visitors.
The right policy should reflect accommodation risk, guest injury exposure, food and drink service, stock, licensing conditions, staff, property values, business interruption and any events, private dining or restaurant-style trading.
What Can Licensed Guest House Insurance Cover?
- Public liability insurance for guest injury and third-party property damage claims
- Employers' liability insurance where staff, cleaners, kitchen teams or bar workers are employed
- Buildings, contents, guest areas, fixtures, fittings, bar stock and catering equipment
- Products liability for food, drink, allergen and contamination allegations
- Business interruption, guest effects, cyber, legal expenses and management liability where required
Typical Licensed Guest House Risks
- Guest slips, trips, stair incidents, room accidents and claims involving overnight accommodation
- Alcohol-related incidents, licensing conditions, bar areas and late-evening service
- Food poisoning, allergen errors, breakfast service, evening meals or small restaurant exposure
- Fire, flood, escape of water, theft or storm damage interrupting room income
- Online booking systems, card payments, guest data and reputation-sensitive incidents
Related Hospitality Cover
Licensed guest houses may also need to compare hospitality insurance, guest house insurance, guest house with restaurant insurance, licensed premises insurance and hotel insurance.