Guesthouse Insurance

Smei has a Team of Hospitality Insurance Experts Who Specialise in Guesthouses

Running a guesthouse can be hard work: you have to ensure your guests are well looked after, manage and liaise with suppliers, and either cook and clean yourselves or employ staff to do it. In undertaking these tasks, you may face a number of risks on a daily basis, so you need comprehensive guesthouse insurance to protect you, your customers and your reputation.

As your guesthouse itself is the main asset of your business, you will need buildings insurance in case of accidental damage, fire or storm damage for example. And for all of your fixtures and fittings, and your guests’ belongings, you’ll need contents insurance. If you offer food at your guesthouse, you’ll also need public and product liability to safeguard against potential food poisoning claims.

If you are unable to trade for a period of time, you may also want to consider business interruption insurance to cover any financial losses.

Smei has been working with small and medium sized businesses across the UK since 2002, and we appreciate that each individual business has its own risks and challenges. Our quality customer services team takes the time to learn about your business and arranges a flexible policy that meets your requirements, which can develop and grow as your guesthouse business evolves.

To find out more about our specialised guesthouse insurance, or to obtain a guesthouse insurance quote for your business, contact smei today for a chat with our friendly, knowledgeable team.

Why Guesthouse Insurance is Important

As the owner of a business, you don’t want to think that the worst could happen, but you need to ensure you’re protected in case it does. Your guesthouse may be a small or large business enterprise, but no matter the size you may still need business insurance. Business insurance for guesthouses can be vital if an accident happens or a mistake occurs. It provides financial support and can provide legal cover too.

As the owner of a guesthouse, you’re responsible for the welfare of customers and any staff you employ. This means your insurance needs to include public liability and employers liability insurance. Public liability insurance can protect you should a guest suffers an injury or falls ill. It can also cover you for claims for compensation as well as the legal fees associated with a claim.

Each type of guesthouse insurance policy is designed to protect against specific risks that can crop up within your everyday business activities including cover for the building, furniture, any stock you hold, employees, and of course the members of the public who stay with you.

In order to be fully protected, make sure that you speak to an expert in guesthouse insurance to arrange the right level of cover for your business.

In additional to specialist guesthouse insurance, smei also provides tailored hotel insurance and B&B insurance.

Quotes from well-known and specialist insurers, including: