Guest house insurance

Tailored insurance for guest houses

If you run a guest house, you’re busy dealing with people round the clock. A full house with lots going on is what makes a guest house such a joy, but it also means there are lots of risks to consider.

Guest house insurance can give you the back-up you need to run your business with confidence. You can get a guest house insurance quote that includes public liability insurance, which can cover a compensation claim made by a supplier, a guest, or a member of the public. Buildings insurance protects you if something like fire or flood damages your property. You can also add business interruption insurance, which protects your income if a disaster means that you have to close temporarily.

We provide insurance for both licensed and unlicensed guest houses. Just select the option that is relevant to you. Choose your cover options and find a guest house insurance quote from Simply Business now.

Cover from £6.79 a month, get insured in minutes. (10% of direct debit customers repay their annual policy in 10 monthly payments of £6.79 or less across all our trades insured. Based on data from 1 July - 31 December 2020, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

What insurance does my guest house need?

When you’re buying insurance you need to think about the risks that your business faces and the cover levels you need. You can build a tailored policy with Simply Business. These are some of the covers that are likely to be useful for your guest house.

• Public liability insurance, which protects you against compensation claims made by a member of the public for injury or damage to their property that they blame on your business. For example if someone is injured when they trip on a wet floor in the guest house.
• Employers’ liability insurance, which is a legal requirement for most businesses that employ staff. It protects you against claims made against you by an employee for injury or illness that’s due to their work, and you may face steep fines if you don’t have a suitable policy in place.
• Business buildings and contents insurance, which can help your guest house if it’s affected by something like fire, flood or burglary. You can also add business turnover protection - also known as business interruption cover - which can protect your income if you have to temporarily close your doors due to damage.

The average insurance claim for a guest house is £2,404 – could you afford this if the worst happened? (Average claim being £2,404. Based on data from 21 November 2018 - 20 November 2019, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

Why Simply Business?

• We're the UK’s biggest business insurance provider
• 9/10 ratings say we’re good (or excellent)
• 800,000 customers (and counting)
• Claims handled by an award-winning team
• Quote comparisons available from multiple insurers
• We run things from an expert, UK-based contact centre

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.