Bedroom in a guesthouse

Guesthouse Insurance

We compare quotes from leading insurers
We understand that running a guesthouse comes with unique risks and challenges, which is why we offer tailored insurance solutions designed specifically for your industry.

Guesthouses can vary in size and style, ranging from small family-run establishments to larger properties with multiple rooms making guests feel like they are staying in a home away from home. You may also offer various amenities such as private or shared bedrooms, communal living spaces, dining areas, and gardens. Some guesthouses also provide additional services such as breakfast, evening meals, or guided tours of the local area.

We understand the unique risks and challenges you face in the hospitality industry. Our guesthouse insurance experts can take care of your insurance needs from providing cover advice to comparing guesthouse insurance quotes from many trusted insurers to recommend the best solution for your unique needs, allowing you to focus on managing your guesthouse and delivering exceptional guest experiences.

Contact Premierline today to schedule a free consultation with one of our experienced insurance specialists.

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
Guesthouse insurance is designed to provide comprehensive coverage for guesthouses and their owners. It usually includes protection for physical property, contents, liabilities, and business operations. This insurance can cover the buildings, property, and contents against risks such as fire, theft, and damage. It also includes public liability insurance to safeguard against injuries or property damage suffered by guests or visitors, as well as employers' liability insurance for employee-related claims. Guesthouse insurance offers peace of mind and financial protection, allowing owners to focus on delivering exceptional service while being prepared for unexpected events that could impact their business.
When deciding what insurance and covers you need to protect your business, you should consider the following:
Having guesthouse insurance is highly recommended for guesthouse owners. While not always legally required, it provides essential protection for your property, liabilities, and business. Guesthouse insurance usually covers property damage, liability risks, business interruption, and contents/equipment coverage. It offers peace of mind, ensuring your investment is safeguarded and allowing you to focus on delivering exceptional service without worrying about potential liabilities or property-related issues. Speak to an insurance expert at Premierline who will help you assess your specific needs and find the right guesthouse insurance policy for your business.

At Premierline, we offer a range of guesthouse insurance policies that can be as simple or comprehensive as you need depending on your business needs. When deciding what insurance you need to protect your guesthouse, you should consider the following:

  • Public liability - for injured guests or damage to their property.
  • Employers' liability - to protect your employees.
  • Personal accident - provide valuable benefits and financial support for business owners.
  • Buildings cover - to cover for loss or damage to your guesthouse.
  • Equipment, contents and stock - to reinstate your items and belongings.
  • Business interruption - to keep finances running when disaster strikes.
  • Money cover - for theft or attempted theft.
  • Loss of licence - in the event of a licence being revoked, suspended, or not renewed by the licensing authority.
  • Business legal expenses - to cover the cost of legal expenses or defend your business against legal action.
  • Guest effects insurance - typically insures you against loss or damage to your guests' personal possessions.
  • Cyber and data cover - protection in the event of a cyber-attack or data breach.

The cost of guesthouse insurance can vary depending on several factors, including the size of the property, location, coverage limits and the specific risks associated with your guesthouse. Insurance providers will assess these factors to determine the premium for your policy.

Factors that can influence the cost of guesthouse insurance include the replacement value of the property, the security measures in place, previous insurance claims history, proximity to natural disaster-prone areas, and any additional coverages or endorsements you choose to add to the policy.

To obtain a guesthouse insurance quote specific to your business speak to one of our insurance advisors today.

At Premierline, we understand the challenges that come alongside running your own guesthouse and finding time to source the correct insurance cover can take up precious time. That’s why our team of qualified advisors can help make arranging your hotel insurance quick and simple. Our experts can provide an advised service over the phone and can help find the best insurance for you.

With access to A-rated insurers with competitive rates, we could even save you money while providing dedicated assistance and peace of mind. Let us handle your guesthouse insurance needs, so you can focus on running your business with confidence.

At Premierline, we understand that many guesthouses have their own unique, style and offering to cater to the different preferences and needs of their guests. We have many years of experience sourcing insurance for the hospitality industry, here are just some of the common types of guesthouses we work with:

Bed & breakfasts, large hotels, boutique guesthouses, country inns, farm stay guesthouses and self-catering guesthouses.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 
“Friendly, professional, confident and helpful service. I would have no hesitation in recommending Premierline.”
Business Owner
Customer since July 2017
4.7/5 stars
341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.
Take the first step towards safeguarding your guesthouse by calling our experts or by requesting a call back at a time that suits you. Let Premierline be your trusted partner in protecting your business, so you can focus on what you do best - providing an exceptional experience for your guests.
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