What is Hotel & Guest House Insurance?
Hotel and guest house insurance is designed to protect hospitality businesses such as hotels, guest houses, bed & breakfasts, and small accommodation providers across the UK. Running an accommodation business comes with unique risks including guest injuries, property damage, theft, fire hazards, and potential booking cancellations.
A specialist insurance policy helps protect your building, contents, staff, guests, and income. Whether you operate a boutique hotel, family-run guest house, or coastal B&B, the right cover ensures your business can continue running smoothly even when unexpected events occur.
Hotels and guest houses face higher risks due to constant guest movement, accommodation services, and valuable property assets, making comprehensive insurance essential for peace of mind and financial stability.
Key Covers Included
A comprehensive policy tailored to your business typically includes the following covers:
Public Liability Insurance
Covers your hotel if a guest or third party is injured or their property is damaged during their stay.
Employers' Liability Insurance
Legally required if you employ front-of-house or back-of-house staff. Covers workplace injury claims.
Buildings Insurance
Covers the structure of your property against fire, flood, storm, subsidence, and other insured damage events.
Contents & Fixtures Cover
Protects beds, furniture, TVs, décor, fixtures, and other items in guest rooms and common areas.
Business Interruption Insurance
Covers loss of income if your hotel or guest house must temporarily close following an insured event.
Stock Cover
Protects food, beverages, and supplies used in your hotel restaurant or breakfast service against loss.
Theft, Burglary & Vandalism
Covers theft of guest property under your care, burglary of premises, and vandalism to your building.
Loss of Licence Cover
Financial protection if your premises licence is suspended or revoked, protecting bar and food sales income.
Risks Unique to Your Business
Food businesses face higher-than-average operational risks. Without the right cover, a single incident could cause serious financial harm.
Constant guest movement creates higher slip, trip, and injury risk
Fire or kitchen-related accidents in hotel restaurants
Theft or vandalism of guest property and hotel contents
Damage to rooms and expensive furnishings by guests
Booking cancellations and income loss during forced closure
24/7 operations mean risk exposure around the clock
High-value property assets including buildings and furnishings
Multiple employees across reception, housekeeping, and catering
Frequently Asked Questions
It is a specialist policy that protects hotels, guest houses, and B&Bs against risks like guest injuries, property damage, fire, theft, and business interruption.
Employers' Liability Insurance is legally required if you employ staff. Public Liability and Buildings Insurance are strongly recommended.
Yes. Public Liability Insurance covers claims if a guest is injured or their belongings are damaged while staying at your property.
Yes. Buildings Insurance can cover damage caused by fire, flood, storms, subsidence, and other insured events affecting your property.
Yes. Contents Insurance protects beds, furniture, televisions, décor, and other items in guest rooms and common areas.
It covers loss of income if your hotel or guest house has to close temporarily due to an insured event like fire or flooding.
Yes. Stock cover protects against loss or spoilage of food and drink supplies used in your hospitality business.
Yes. Most policies include protection against theft, burglary, and vandalism affecting your premises or contents.
Yes. Insurance is available for small B&Bs, family-run guest houses, and boutique hotels as well as larger establishments.
Same-day cover is available in most cases once your policy is confirmed by our team.
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