- Quotes from hotel and guest house insurance specialists
- Cover options for buildings, guests and business operations
- Options available for hotels, B&Bs and guest accommodation
- Compare insurance quotes with one quick form
Hotel And Guesthouse Insurance
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Why Choose QuoteSearcher for Hotel and Guest House Insurance?
Running a hotel or guest house means dealing with the unexpected as part of everyday life. From welcoming guests with very different needs and expectations, to managing staff, suppliers, and a busy premises, your business is exposed to a wide range of risks every day.
Because no two hospitality businesses operate in quite the same way, hotel and guest house insurance needs to be detailed, flexible, and properly thought through. Many operators look to arrange cover that supports their business operation, including protection for property guests, staff, and income, depending on policy terms.
At QuoteSearcher, we work with brokers experienced in arranging cover for hospitality businesses. Whether you run a rural bed and breakfast, a coastal guest house, or a boutique city hotel, we can connect you with brokers who regularly arrange cover for businesses like yours and can outline policies available based on how you operate.
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Hotel Insurance & Guest House Insurance
Hotel and guest house insurance brings together several essential covers into one overarching policy. With guests staying on your premises, staff working across different areas of the business, and income tied directly to occupancy, having gaps in cover may increase financial exposure.
Depending on the insurer, a typical policy may combine buildings and contents insurance, public and employers’ liability, guests’ belongings cover, and business interruption insurance, taking into account factors such as size, layout, and services offered by the property.
What You Need to Know About Hotel Insurance
Do I need hotel or guest house insurance?
Under the Hotel Proprietors Act 1956, hotel and guest house owners are legally required to have guests’ contents insurance in place. Beyond this, many operators choose a wider hotel insurance policy to protect against liability claims, property damage, and certain financial losses following an insured event, subject to policy terms.
How much does hotel or guest house insurance cost?
The cost of cover varies depending on several factors, including but not limited to:
- Number of rooms
- Annual turnover
- Number of employees
- Whether food and alcohol are served
- The type and age of the building
- Whether events or functions are hosted on site
Because these factors differ from one property to another, hotel insurance is often arranged on an individual basis.
What cover is required by law?
If you employ anyone, including part-time staff or volunteers, employers’ liability insurance is a legal requirement. This can help protect your business if an employee becomes ill or injured as a result of their work. Failing to hold this cover can result in substantial fines.
What Is Typically Excluded?
Policy exclusions vary by insurer, but common exclusions may include accidental damage or certain types of theft, particularly where forced entry cannot be established. These exclusions can sometimes be addressed through optional extensions, depending on the insurer and risk profile. Brokers will discuss these with you as they outline different cover options.
Optional Covers to Consider
If available, many hotel and guest house owners choose to enhance their policy with additional protection, such as:
Personal Contents Cover
Useful if you or staff live on-site, protecting personal belongings kept within the property.
Legal Expenses Insurance
Helps cover legal costs if you need to pursue or defend a legal claim.
Loss of Licence Cover
May provide financial support if your licence is revoked and your business is unable to operate as a result.
Hotel and Guest House Insurance Policy Features
Depending on the insurer and your specific requirements, cover may include:
Property and Premises Insurance
Buildings and contents cover for your property, fixtures, furnishings, and equipment. Find out more here.
Liability Insurance
Cover for claims made by guests, visitors, or employees following injury or illness linked to your business. Find out more about Liability Insurance.
Guests’ Contents Insurance
A legal requirement that covers guests’ belongings during their stay.
Business Interruption Insurance
Cover that may apply to loss of income if your property becomes unusable following an insured event subject to policy terms. ead more about Business Interruption Insurance.
