Whether you run a large hotel, a cosy guesthouse or a family-run B&B, protecting your business is essential. Each type of accommodation comes with unique risks, but all rely on the same thing: delivering a safe, welcoming experience for guests. That’s why hotel, guesthouse and bed & breakfast insurance packages are designed to cover everything from liability claims to property damage and loss of income.
At Premierline, we understand the nuances between different hospitality businesses. Our expert insurance brokers work with UK-based hotels, bed and breakfasts and guesthouses every day, offering tailored guidance, flexible protection, and fast access to quotes from leading insurers.
Hotel, guesthouse and bed & breakfast insurance are insurance packages that combine the core covers accommodation businesses need into one tailored policy. These policies typically include property protection, liability insurance, business interruption cover, plus many other covers that will keep your lodgings protected.
Whether you host guests in a converted farmhouse or operate a multi-storey hotel with a restaurant and spa, we can help you build the right insurance package to suit your business and protect your livelihood.
If you run a paid accommodation business, you’ll need some form of specialist cover. This includes:
Each of these setups carries risk – from trip hazards and fire to guest injuries, cyber breaches, burglary or equipment breakdown. A tailored insurance package helps you manage these risks with confidence and focus on what matters – providing your guests with the best experience during their stay with you.
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Our brokers will work with you to individually tailor your policy to align with your offering and needs. But, whether you’re running a bed and breakfast, guesthouse or hotel, these are the insurance covers your policy should typically include:
Public liability insurance for B&Bs, hotels and guesthouses protects you if a guest, visitor or third party is injured or their belongings are damaged while staying in your property for which you are liable. This is an essential cover for whatever type of accommodation you run; it could protect you in the event of:
Employers’ liability insurance is a legal requirement if you employ staff. This cover protects you against claims made by employees for workplace accidents, illness or injury for which you are liable. Examples include:
Commercial building insurance protects the physical structure of your accommodation, whether a converted home or purpose-built hotel, including walls, roofs and outbuildings. Covers risks such as:
The decor, furnishings and appliances are what make a hotel or B&B feel so special. We understand how much investment – time and money – goes into fitting out a space, which is why it’s so important to have comprehensive contents insurance in place in the event of damage occurring to:
Business interruption insurance is vital for hotels, B&Bs and guesthouses alike due to the potential financial costs your business could face if sudden closure occurs. It provides income protection during a temporary closure caused by an insured event, and it helps to provide stability when unexpected closures are unavoidable. It could help with:
Whether it’s your licence to operate as a hotel, B&B or guesthouse, or your licence to serve food or alcohol, if your licence is revoked, it could have a serious impact on your bookings. Loss of licence cover supports your business financially if your alcohol or premises licence is revoked.
This is a specific type of cover for hotels, B&B’s and guesthouses alike. It provides your guests with peace of mind, and protects you from financial loss if guests’ personal items are:
This cover typically has specific per-item and total claim limits, and high-value items are often only protected if they are deposited with reception for safekeeping. This cover is an important component of a comprehensive and tailored hotel, B&B or guesthouse insurance package.
Covers legal costs related to business disputes or defence. It will provide you with financial protection and support for legal costs related to commercial disputes and legal issues such as:
This cover typically includes a legal advice helpline. This allows you to seek advice on potential issues before they escalate into formal disputes, helping to mitigate risk.
Cyber insurance is essential if you’re a hotel, guesthouse or B&B that takes bookings online, has a database of customer bookings or even just has a website or uses email. This essential insurance protects your business in the event of cyber threats and data breaches, such as:
For your accommodation to run smoothly, there are many pieces of equipment or machinery that require regular inspection. This type of insurance covers the cost of legally required safety inspections for your essential equipment and the costs of repairing or replacing that equipment if it suffers a mechanical or electrical breakdown. This cover is relevant for essential equipment like:
Every hospitality business faces operational risks that could lead to disruption, financial loss or legal claims. Some typical examples include:
Having the right insurance in place ensures you’re protected against the unexpected. Our brokers will work with you to understand the risks to your specific business, whether you operate a hotel chain or a small B&B. We can help create a comprehensive insurance package to protect your business and give you peace of mind.
At Premierline, we’ve supported thousands of hospitality businesses across the UK with tailored insurance advice. From luxury hotels and boutique guesthouses to owner-operated B&Bs, our team understands the unique risks these businesses face. Our experience means we can help you find the right cover, quickly and confidently.
We’ve been helping UK accommodation providers protect their businesses for over 20 years, by choosing us for your insurance, you get:
Access to top-rated specialist hotel, bed and breakfast, and guesthouse insurers
Expert advice tailored to your business
An expert broker finding you the best quotes
UK-based support from our team in Lancaster
“I renewed my cover for my B&B from last year and I was pleasantly surprised it had only increased by a few pounds. The cover I need is quite intricate, but Premierline came up with great cover and price. They kept in touch to ensure I was covered and if I had any additions I needed adding to my policy. I really appreciated the customer service and the excellent cover provided!”
Your premium will depend on:
The best way to get an accurate quote is to speak to one of our business insurance advisors.
Get a quote or request a callback
We arrange cover for a wide variety of hospitality accommodations, including:
Whatever your business type, get in touch with our brokers, and we can work to find the right insurance package for your lodgings.
Our experienced insurance specialists are here to help you protect your business. Whether you’re starting a new B&B or reviewing cover for an established hotel, we’ll provide a tailored quote and help you find the right solution.
If you accept paying guests, standard home insurance won’t cover you. You will need a specialist landlord policy with at least public liability, property and contents protection. Get in touch with our expert brokers, and they can guide you to the right insurance package for Airbnb properties. They can help find the right insurance for your holiday let.
Yes. Hotel insurance may include cover for larger operations, multiple staff, licensed premises or spa facilities. Guesthouse policies often reflect smaller-scale or owner-managed properties. However, both insurance types will likely be made up of the same insurance covers. Whatever type or scale of property you run, our brokers can help build the right package for you.
Home insurance isn’t designed for commercial use. Bed and breakfast insurance covers business-specific risks such as guest injuries, loss of income and commercial liability.
You’ll need a premises licence to serve alcohol, and loss of licence cover can protect your revenue if it’s revoked. Public liability is also essential.
Listed properties may need specialist buildings cover to reflect higher rebuild costs and conservation rules. Always notify us if you are operating your hotel, B&B or guesthouse out of a listed building.
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