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Unlicensed Guest House Insurance
Unlicensed guest house insurance is designed for guest houses, B&Bs and small accommodation businesses that provide overnight stays without selling or supplying alcohol under a premises licence.
The right policy should still reflect accommodation risk, guest injury exposure, breakfast or food service, property values, staff, online bookings, business interruption and whether the business offers events, self-catering, private dining or additional guest services.
What Can Unlicensed 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 maintenance workers are employed
- Buildings, contents, guest rooms, fixtures, fittings, linen, stock and business equipment
- Products liability for breakfast, food service, allergen and contamination allegations
- Business interruption, guest effects, cyber, legal expenses and management liability where required
Typical Unlicensed Guest House Risks
- Guest slips, trips, stair incidents, bathroom accidents and room-related injury claims
- Food poisoning, allergen mistakes, breakfast service and kitchen hygiene allegations
- Fire, flood, escape of water, storm damage or theft interrupting room income
- Damage to guest property, keys, luggage, personal effects and accommodation contents
- Online booking systems, guest data, card payments and reputation-sensitive complaints
Related Hospitality Cover
Unlicensed guest houses may also need to compare hospitality insurance, guest house insurance, bed and breakfast insurance, self-catering guest house insurance and licensed guest house insurance if alcohol service is added.