Guesthouse and B&B
Public Liability Insurance
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Insurance for Guesthouses
and B&Bs
Running a guesthouse or B&B means having paying guests on site, often in shared areas like stairs, halls, and dining rooms. That brings risks like accidental damage, theft, and liability claims if someone is injured. Guesthouse and B&B insurance can help with the costs after an insured event, so one incident does not disrupt your bookings.
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Expert UK team
What is Guesthouse and B&B Insurance?
This is usually a package of covers for small accommodation businesses. It often includes buildings and contents cover, plus public liability for guest injuries or property damage claims. If you employ staff, you may also need employers liability. You can choose limits and extras based on the property and how you run the business.
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Why Choose Business
Compare for your
Guesthouse and B&B Insurance?
We compare quotes from a panel of UK insurers, so you can review options in one place. You can adjust limits, excess, and add-ons to match your property size, guest numbers, and whether you also live on site. If you want help, our UK team can talk you through the differences before you choose.
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One quote form built for accommodation businesses -
Quotes from a panel of UK insurers
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Compare options side by side
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Adjust limits and add-ons
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UK phone support if you want help
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Quick quotes, buy when ready
Coverage Options
01
Business Interruption Insurance
May help with loss of income if you cannot trade after an insured event.
02
Loss of Rent Insurance
May help if part of the property is rented out and rent is lost after insured damage.
03
Legal Expenses Insurance
Can help with certain legal costs linked to disputes with guests, staff, or suppliers.
04
Accidental Damage Cover
May cover accidental damage caused by guests or staff, depending on terms.
B&B insurance premium?
Property type and rebuild cost
Building age, construction, and the rebuild sum insured.
Guest numbers and how you operate
Number of rooms, occupancy levels, and shared facilities like dining areas.
Location, security, and claims
Postcode risk, locks and alarms, plus previous claims.
Cover choices and add-ons
Limits, excess, and extras like interruption or accidental damage.
When you host guests, small incidents can turn into large costs. A guest can slip on stairs, a leak can damage ceilings and guest rooms, or a storm can cause roof damage that forces cancellations. The right cover can help with repair costs and liability claims after an insured event, and may help reduce the financial impact of lost bookings.
Get a Quote for Guesthouse and B&B Insurance
Ready to protect your business? Fill in our online form with a few details, and we’ll provide you with quotes from a range of UK insurers. It’s quick, easy, and free!
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